I purchased a freehold premises in Port Clarence but nevertheless invoiced for rent, why is this and what is this?
It’s unusual for properties in Port Clarence and has limited impact for conveyancing in Port Clarence 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 date back many centuries, but the Rent Charge Act 1977 barred the generation of fresh rentcharges post 1977.
Old rentcharges can now be redeemed by making a lump sum payment under the Act. Any rentcharges that are still in existence in 2037 is to be extinguished.
Please help - my lawyer says that breach of easement insurance is necessary on my purchase. What is the level of cover for Port Clarence conveyancing?
The right level of breach of easement indemnity insurance depends on your lender. It would differ for example between Santander and Bank of Scotland. Conveyancing lawyers as opposed to borrowers take out such policies.
I'm in the throws of looking at flats in Port Clarence and I am now considering a potential offer. Is it wise to have a solicitor on ‘stand by’? I am planning to take a home loan with Co-operative.
You should start requesting conveyancing estimates from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on to the estate agent. As you are seeking a mortgage with Co-operative, ask your prospective lawyers if they are on the Co-operative conveyancing panel otherwise they can't do the mortgage legal work.
I am currently in the process of buying my council flat in Port Clarence. I have a mortgage offer with Nottingham. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Nottingham, you will need to appoint a solicitor on the Nottingham conveyancing panel.
Me and my brother purchased a renovated Edwardian property in Port Clarence. Conveyancing practitioner acted for me and Platform Home Loans Ltd. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: the first freehold, another for leasehold with the matching address. I'd like to know for sure, how can I find out??
You need to 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 Port Clarence and other areas of 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 purchasers. You can also question the position with the conveyancing solicitor who carried out the work.
Yesterday I discovered that there is a flying freehold element on a property I have offered on a fortnight ago in what was supposed to be a quick, no chain conveyancing. Port Clarence is where the house is located. Can you shed any light on this issue?
Flying freeholds in Port Clarence are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Port Clarence you would need to get your solicitor to go through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Port Clarence may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
I'm remortgaging my current home to a buy to let mortgage with Platform Home Loans Ltd and I will use the rest of the raised equity as a down payment on a second property. The neighborhood we are interested in is Port Clarence. Will your lawyers be able to act for the two banks and tie in the two deals?
Do use our comparison tool on this page to check that the conveyancers are on the relevant lender panels. Having checked that they are your solicitor will be able to connect the two deals but you should have a chat with you conveyancer and specify your desired outcome and needs.
Should one remove a deceased person's details from the title register for a house in Port Clarence?
Where a Port Clarence property is jointly owned and one of the owners dies, the name will not automatically be removed from the title deeds. It is not necessary to remove their name as when it comes to a disposal your conveyancer would just be asked to evidence why the other proprietor is not included in the conveyance, typically this takes the form of a grant of probate.
With the aim of making the sale conveyancing more straight forward in the future you may arrange to have the deceased name removed from the title entries by submitting an application to the land registry with evidence of the death. There is no charge from the Registry for this service.