I am helping my step-mother sell her property in New Brighton. Will the conveyancing solicitor order an energy assessment or do I organise this?
After the abolition of Home Information Packs, EPC’s was kept a compulsory component of selling a house. An energy performance certificate should be to hand before the property is advertised. It is not something that conveyancers ordinarily arrange. Where you are instructing a New Brighton conveyancing lawyer they may be able to arrange energy assessments given their contacts with long established local energy assessors
Is there a list of HSBC panel solicitors in New Brighton on the Council of Mortgage Lender’s Website?
No. There is no such facility on the CML or Building Society Association websites. A small selection of banks make their panel listings viewable online. If you are in need of a New Brighton conveyancing practitioner on the HSBC please make the most of our facility.
I have today made my last payment due on my mortgage with HSBC. I assume I don't need a New Brighton conveyancer on the HSBC panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your HSBC mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the HSBC mortgage from the register. HSBC, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where HSBC has sent the Land Registry the discharge electronically, and
- HSBC has instructed the Land Registry to do so
I have recentlybeen informed that Arc property Solicitors have closed. They conducted my conveyancing in New Brighton for a purchase of a leasehold flat 18 months ago. How can I establish that the property is registered correctly in the name of the previous owner?
The easiest method to check if the premises is registered to you, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of New Brighton conveyancing specialists.
Over the last few months I have been searching for a flat up to £195,000 and found one close by in New Brighton I like with open areas and railway links nearby, the downside is that it's only got 49 remaining years left on the lease. I can't really find anything else in New Brighton for this price, so just wondered if I would be making a grave error buying a short lease?
If you require a home loan the remaining unexpired lease term may be problematic. Reduce the price by the anticipated lease extension will cost if not already taken into account. If the current proprietor has owned the property for a minimum of twenty four months you may request that they commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the existing lease term and have £0 ground rent by law. You should speak to your conveyancing solicitor concerning this matter.
I'm refinancing my primary property to a BTL loan with Coventry Building Society and intend to use the remaining equity towards further property. The location we are looking at is New Brighton. Will your lawyers be able to act for the two banks and link together the conveyances?
Make use of our comparison tool on this site to check that the lawyers are approved by both lenders. Assuming that they are the lawyer will be able to simultaneously deal with the two conveyancing matters but you should talk with you conveyancer and specify your expectations and needs.
My cousin has suggested that I instruct his conveyancing solicitors in New Brighton. Should I use them?
No doubt the ideal way to select a conveyancing solicitor is to seek feedback from friends or family who have actually previously instructed the conveyancer that you are contemplating using.
What is the reason for my conveyancer requiring various items of identification ahead of starting my conveyancing in New Brighton?
New Brighton property lawyers are required by the Law Society, Solicitors Regulation Authority, HM Land Registry and current Money Laundering legislation to certify that the have verified the identity of their clients. It is also sometimes a condition of your bank if you are obtaining a mortgage. Furthermore they have to complete various forms, particularly those relating to Land Tax and need to have information such as your full names, national insurance number and date of birth.