I have given 2 months notice to my existing landlord and must leave my rented apartment in Ramsey by 27/4/2026. Conveyancing on my purchase is underway. How realistic is it to complete in a couple of weeks as I wish to avoid having to find temporary accommodation?
The normal practice is not to serve notice for your lease unless you have exchanged. Assuming that you have not already done so, contact to your conveyancer and request that they chase the owners side, try to an acceptable time-line that all parties will aim towards
Finally the sale completed on my house in Ramsey last December yet the purchaser is Skype messaging me to say her lawyer is waiting to hear from mine. What are the post completion sale legalities now that I have sold?
Following your disposal your lawyer is committed to send the transfer deeds and all additional paperwork to the buyer’s lawyers. Depending on the transaction, your solicitor must also evidence that the home loan has been paid off to the purchasers conveyancers. There are no post completion requirements unique to conveyancing in Ramsey.
Can I be sure that the Ramsey conveyancing solicitor on the HSBC panel is any good?
When it comes to conveyancing in Ramsey getting recommendations is a good starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one advertising the lowest fees. We would always suggest that you speak with the solicitor handling your conveyancing.
We were going to get a OIP from Aldermore this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Aldermore recommend any Ramsey solicitors on the Aldermore conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Ramsey solicitors independently although you'll need to choose one on the Aldermore conveyancing panel. The solicitor represents both you and Aldermore through the process.
HSBC have agreed my home loan in principle, my bid on a property in Ramsey has been agreed to, what are the next steps?
Your property agent will want to know who your solicitors are (be sure the conveyancers are on the bank’s panel). Telephone HSBC or the broker and finish off any outstanding documentation. HSBC will sellect a valuer who will get in touch with the estate agent or vendor to schedule an appointment. Once conducted (assuming no problems) it takes approximately a week for the mortgage offer to be issued. HSBC will issue the offer to you and your conveyancing practitioners. The transaction will then take it’s course according the nature and complexity of the conveyancing in Ramsey.
I'm buying my first flat in Ramsey with a mortgage from Britannia. The builders refused to move on the price so I negotiated £7000 of extras instead. The estate agent told me not disclose to my solicitor about this deal as it would impact my loan with the lender. Is this normal?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
What tools are available to identify a Ramsey solicitor on the Birmingham Midshires conveyancing panel? I drive a motor bike and am willing to travel upto 20miles to meet the conveyancer.
You can use the facility on this page. Please pick a bank and your location and you will see a number of Ramsey conveyancing lawyers based on proximity. We have detailed some Ramsey conveyancing firms towards the end of this page and you can contact them to verify whether they are on the Birmingham Midshires member panel
I have just started marketing my garden flat in Ramsey. Conveyancing solicitors are to be appointed soon, however I have just had a half-yearly service charge invoice – Do I pay up?
The sensible thing to do is discharge the service charge as usual given that all rents and service charges should be allotted on completion, so you should recover the relevant percentage by the buyer for the period running from after the completion date to the next payment date. Most managing agents will not acknowledge the buyer until the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. Having a clear account will assist your cause and will leave you no worse off financially.
I am the registered owner of a garden flat in Ramsey, conveyancing was carried out July 2000. Can you let me have an estimated range of the fair premium for a lease extension? Equivalent properties in Ramsey with a long lease are worth £176,000. The average or mid-range amount of ground rent is £50 per annum. The lease comes to an end on 21st October 2106
You have 80 years remaining on your lease we estimate the price of your lease extension to range between £8,600 and £9,800 plus plus your own and the landlord's "reasonable" professional fees.
The suggested premium range that we have given is a general guide to costs for extending a lease, but we cannot give you a more accurate figure in the absence of comprehensive due diligence. You should not use the figures in tribunal or court proceedings. There may be additional issues that need to be considered and clearly you want to be as accurate as possible in your negotiations. Please do not take any other action placing reliance on this information before seeking the advice of a professional.