It is is a decade since I purchased my house in Roade. Conveyancing solicitors have now been appointed on the sale but I am unable to track down my deeds. Is this a problem?
Don’t worry too much. First the deeds may be kept by the mortgage company or they could be in the possession of the conveyancers who oversaw your purchase. Secondly the likelihood is that the title will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers acquiring up to date copy of the land registers. Nearly all conveyancing in Roade relates to registered property but in the unlikely event that your home is not registered it is more of a problem but is resolvable.
We just had an offer accepted to buy with Darlington Building Society. We have called around locally yet am struggling to find a Roade conveyancing firm on the Darlington Building Society panel. Can you help?
Feel free to make use of the search tool on this site. Please choose the mortgage company and type Roade or your location and you will see numerous conveyancers located in Roade or nearest you.
Forgive me if this question is silly but I am new to the process as a 1st time purchaser of a ground floor flat in Roade. Do I collect the keys to the house on completion from my conveyancer? If so, I will appoint a High Street conveyancing solicitor in Roade?
On the day of completion you do not need to attend the conveyancers office in Roade. Conveyancing lawyers for you will electronically transfer the completion advance to the vendor’s solicitors, and shortly after the monies have arrived, you should be called to collect the keys from the property Agents and move into your new home. Usually this happens early afternoon.
My wife and I purchasing a detached bungalow in Roade. Our aim is to carry out a loft conversion at the house.Will legal due diligence on the property include investigations to ascertain if these alterations were previously refused?
Your conveyancer will review the registered title as conveyancing in Roade will sometimes identify restrictions in the title deeds which prevent categories of alterations or necessitated the consent of another owner. Many works need local authority planning permissions and approval in accordance building regulations. Many areas are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. You should check these things with a surveyor before you commit yourself to a purchase.
We previously instructed conveyancers located in Roade on the HSBC solicitor approved list. They have just invoiced me a further charge for handling the HSBC mortgage. Is this an additional conveyancing fee set by HSBC?
Unfortunately, so long as it is in their Terms of Engagement or Quote then yes your conveyancing practitioner can levy a fee for this. The fee is not dictated by HSBC but by your Roade lawyer. Some firms on the HSBC panel will levy an ‘acting for lender’ fee and others do not.
A friend advised me that where I am buying in Roade I should ask my conveyancer to carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is sometimes included in the estimate for your Roade conveyancing searches. It is not a small document of about 40 pages, listing and setting out significant information about Roade around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Local Education with plans and statistics, Local Amenities and other useful information concerning Roade.
I am four weeks into a leasehold purchase having been referred to a firm by the high street agent to handle our conveyancing in Roade. I am not happy. Could you you assist me in finding new solicitors?
They would have to be very bad to suggest replacing them. Has your loan offer been issued? In the event that it has you need to inform them of the new contact details and get the offer are issued to the new lawyers. Your new solicitor ideally needs to be on the banks panel to avoid escalating expenses and complications. So that should be your starting point. Our find a solicitor tool will help you find a bank approved conveyancer for your conveyancing in Roade
There are only Fifty years left on my flat in Roade. I need to get lease extension but my landlord is absent. What should I do?
On the basis that you qualify, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the County Court for an order to dispense with the service of the initial notice. This will mean that your lease can be granted an extra 90 years by the magistrate. However, you will be required to demonstrate that you have used your best endeavours to find the lessor. In some cases a specialist may be helpful to try and locate and prepare an expert document which can be used as evidence that the freeholder is indeed missing. It is wise to seek advice from a conveyancer in relation to proving the landlord’s disappearance and the vesting order request to the County Court covering Roade.
I own a 1 bedroom flat in Roade, conveyancing formalities finalised half a dozen years ago. Can you give me give me an indication of the likely cost of a lease extension? Similar properties in Roade with an extended lease are worth £190,000. The ground rent is £45 levied per year. The lease expires on 21st October 2087
With only 62 years left to run the likely cost is going to be between £17,100 and £19,800 as well as costs.
The suggested premium range that we have given is a general guide to costs for extending a lease, but we cannot give you the actual costs without more comprehensive investigations. You should not use this information in tribunal or court proceedings. There are no doubt other issues that need to be taken into account and clearly you want to be as accurate as possible in your negotiations. Neither should you move forward based on this information before seeking the advice of a professional.