I had intended to instruct a property lawyer in Norton for our home move. Our broker has since notified us that our mortgage lenders The Royal Bank of Scotland won't deal with them. Surely this is unfair competition?
A bank may direct that a panel conveyancer act for it. Borrowers are expected to meet the cost of this. Try using our directory service to get a quote from a solicitor to conduct conveyancing in Norton on the The Royal Bank of Scotland approved list of solicitors.
Is it necessary to take out insurance to protect me from financial exposure to chancel repairs when acquiring a house in Norton?
Unless a prior purchase of the property completed post 12 October 2013 you could expect lawyers delivering conveyancing in Norton to remain encouraging a chancel search and or insurance against a claim.
Me and my brother own a terraced Georgian property in Norton. Conveyancing practitioner acted for me and Coventry Building Society. I happened to do a free search for it on the Land Registry database and I saw two entries: one for freehold, the second leasehold with the exact same address. Is it worth asking Coventry Building Society to clarify?
You should read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Norton and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also check the position with your conveyancing lawyer who conducted the purchase.
How straightforward is it to use your search facility to choose a conveyancing practitioner in Norton on the authorised to act for my mortgage?
1st choose a mortgage company such as HSBC Bank, The Royal Bank of Scotland or Barclays Direct then specify your preferred area a common one being Norton. Conveyancing organisations in Norton and further afield will then be identified.
Is it best to go with a Norton conveyancing solicitor based in the area that I am hoping to buy? We have a good friend who can carry out the legal formalities but they are based 200kilometers away.
The benefit of a high street Norton conveyancing practice is that you can pop in to execute documents, present your ID and apply pressure on them if necessary. They will also have local insight which is a plus. That being said nothing is more important than finding someone that will do a good and efficient job. If if people you trust instructed your friend and on the whole were impressed that should surpass using an unknown Norton conveyancing solicitor solely due to them being based in the area.
My wife and I purchased a leasehold house in Norton. Conveyancing and Skipton Building Society mortgage are in place. I have received a letter from someone saying they have taken over the reversionary interest in the property. Attached was a demand for arrears of ground rent dating back to 1991. The conveyancing practitioner in Norton who acted for me is not around. Do I pay?
The first thing you should do is make enquiries of the Land Registry to be sure that the individual claiming to own the freehold is indeed the new freeholder. You do not need to incur the fees of a Norton conveyancing lawyer to do this as you can do this on the Land Registry website for a few pound. You should note that regardless, even if this is the rightful freeholder, under the Limitation Act 1980 the limitation period for recovery of ground rent is six years.
Leasehold Conveyancing in Norton - Examples of Queries before buying
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It is important to be aware whether window replacement or some other major work is coming up to be shared between the tenants and will dramatically impact the level of the maintenance fees or necessitate a specific invoice. How long is the Lease? How much is the service charge and ground rent on the property?