I am buying a 4 bedroom semi-detached house in Roade. Our aim is to convert the garage to a playroom at the property.Will legal conveyancing on the property involve investigations to ascertain if these works are allowed?
Your conveyancer should check the registered title as conveyancing in Roade can occasionally identify restrictions in the title documents which restrict certain works or require the permission of another owner. Certain additions require local authority planning permissions and approval in compliance with building regulations. Many locations are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. It would be wise to check these things with a surveyor ahead of any purchase.
I am the sole recipient of my late mum's estate with all property in now in my sole name, including the house in Roade. The Roade property was put into my name in November. I now wish to sell up. I do know about the CML 6 month 'rule', which means that my proprietorship may be treated the same way as if I'd bought the house in November. Do I have to wait half a year to sell?
The CML handbook instructs conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you may be impacted by that. Some banks would take a sensible view as this clause chiefly exists to capture the purchase and immediately sell or the wholesaling and assigning of properties.
We have agreed to purchase a house in Roade. One unusual aspect is that the roof has a solar panel. Yorkshire BS have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As you are obtaining a mortgage with Yorkshire BS your lawyer must follow the conveyancing instructions set out in Section two of UK Finance Lenders’ Handbook for Yorkshire BS. The Council of Mortgage Lenders’ Handbook stipulates minimum specifications for solar panel roof-space leases, and solicitors are required to report to Yorkshire BS where a lease fails to comply with these provisions. The conditions relate to the installation of panels on properties countrywide and is not isolated to Roade.
Do I need to pay for insurance to protect me from financial exposure to chancel repairs when purchasing a property in Roade?
Unless a previous acquisition of the house took place post 12 October 2013 you can assume that lawyers carrying out conveyancing in Roade to continue to recommend a chancel search and or chancel repair liability policy.
Just acquired a semi-detached house in Roade , What is the estimated time for the Land Registry to record my title? My Roade conveyancing solicitor works at snail pace, so I want to check that my ownership is registered.
There is nothing unique when it comes to conveyancing in Roade registration formalities. As opposed to being determined by geographic area, timeframes can vary subject to the party submitting the application, whether it is in order and if the Land registry need to notify any 3rd persons or bodies. Currently in the region of three quarters of such applications are fully dealt with within 12 days but some can be subject to protracted hold-ups. Historically registration takes place after the buyer has moved in to the premises thus an expedited registration is not always primary concern yet where it is urgent that the the registration takes place urgently then you or your lawyers should contact the land registry and explain the circumstances.
I'm refinancing my current property to a BTL mortgage with Clydesdale and intend to use the remaining equity as a deposit on another property. The area we are interested in is Roade. Will your conveyancers be able to act for the two lenders and link together the conveyances?
Make use of our comparison tool on this page to check that the solicitors are approved by both lenders. Assuming that they are the solicitor should be able to simultaneously deal with the two deals but you should have a chat with you conveyancer and communicate your expectations and requirements.
My father has encouraged me to appoint his lawyers for conveyancing in Roade. Should I use them?
There are no two ways about it the best way to choose a conveyancing lawyer is to seek guidance from friends or family who have actually used the solicitor that you are are thinking of instructing.
Threeweeks into purchasing a house in Roade. Conveyancing lawyer has told us the property is "Leasehold". Will this likely make a difference on the marketability of the property?
Roade conveyancing does not in most situations involve leasehold houses. The main factor here is the length of lease and the ground rent. If it's 999 years with a nominal rent, it's almost the same as freehold, so it shouldn't impact the marketability significantly.
At the other end of the spectrum, if it's, say, fifty five years it will have a significant impact on the saleability, and most likely wouldn't be acceptable to the bank. The length of lease and ground rent will be stated in the lease which should be made available to your lawyer.