I am the registered owner of a freehold residence in Nottingham but nevertheless charged rent, why is this and what is this?
It is rare for properties in Nottingham and has limited impact for conveyancing in Nottingham but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.
Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for hundreds of years, but the Rent Charge Act 1977 barred the generation of fresh rentcharges from 1977 onwards.
Old rentcharges can now be extinguished by making a one off payment under the Act. Any rentcharges that are still in existence post 2037 will be dispensed with completely.
Do I have to pop into the offices of the solicitor to execute the legal charge? If so, I will choose one who does conveyancing in Nottingham so that I can pop in to their offices if necessary.
These days conveyancing panel lawyers for banks undertake all of the work via the post, e-mail or over phone calls. This means that they can undertake the conveyancing transaction no matter where you live in the country. That being said you should check if you can still book an appointment to visit conveyancing lawyer if needed.
Please help - my lawyer says that lack of planning permission insurance is needed on my purchase. What is the typical level of cover needed for conveyancing in Nottingham?
The right level of lack of planning permission indemnity insurance depends on who your lender is. It would differ for example between Barclays and The Royal Bank of Scotland. Conveyancing practitioners as opposed to members of the public take out such policies.
I have paid off my mortgage with Aldermore. I assume I don't need a Nottingham conveyancing practitioner on the Aldermore panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Aldermore 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 Aldermore mortgage from the register. Aldermore, 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 Aldermore has sent the Land Registry the discharge electronically, and
- Aldermore has instructed the Land Registry to do so
Having read lots of house buying guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Nottingham solicitor - who is on the Virgin Money conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Virgin Money will need an independent valuation of the property. Your lawyer will not arrange this. Usually Virgin Money will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Nottingham surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
I understand that there are debates on Chancel Insurance on online forums. Do I need chancel insurance when acquiring a house in Nottingham? or I am told that there is historic law that could mean that owners of property living in a parish church boundary may be liable to pay for maintenance towards the chancel within the church. Is this appropriate for conveyancing in Nottingham?
Unless a prior acquisition of the house completed post 12 October 2013 you may expect conveyancing practitioners conducting conveyancing in Nottingham to continue to propose a a chancel search and or insurance against a claim.
I used Arc property Solicitors several years ago for my conveyancing in Nottingham. Now, I need the files however the law firm has closed. What do I do?
Do call the Solicitors Regulatory Authority (SRA) to assist in tracing your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Nottingham of the conveyancing firm of solicitors you previously hired, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
How difficult is it to change conveyancer as I have to select a firm on the Santander conveyancing panel. I had appointed a local conveyancing solicitor in Nottingham five minutes from me but she is not accepted by Santander
We will our best to assist in finding you a conveyancing solicitor in Nottingham on the Santander panel. Please note that the law firms that we list do not pay us fee if you instruct them and are regulated by the Solicitors Regulation Authority who oversee all conveyancing solicitors in Nottingham. In making use of the find a conveyancing solicitor tool on this page, you can compare and instruct different solicitors and conveyancers both nationally and in Nottingham.