This question may be naive but I am unseasoned as FTB of a garden flat in Rotherham. Do I collect the keys to the house on completion from my lawyer? If so, I will appoint a local conveyancing solicitor in Rotherham?
On the day of completion you do not need to go to the conveyancers office in Rotherham. Conveyancing lawyers for you will arrange to send the purchase money to the vendor’s solicitors, and shortly after the monies have arrived, you will be invited to pick up the keys from the selling Agents and start moving into the property. Usually this happens early afternoon.
Two weeks ago we had a mortgage agreed in principle with RBS. Rotherham conveyancing practitioners are selected. How long does it take for RBS to send the offer to the conveyancing practitioner?
Some lenders take longer than others. Have RBS completed the survey? Have you informed RBS as to your lawyers' details and checked that your lawyers are on the RBS conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
I have paid off my mortgage with HSBC. I assume I don't need a Rotherham lawyer on the HSBC panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your HSBC 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 HSBC mortgage from the register. HSBC, 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 HSBC has sent the Land Registry the discharge electronically, and
- HSBC has instructed the Land Registry to do so
I appreciate that there are debates on Chancel Insurance on online forums. Am I compelled to have this when purchasing a property in Rotherham? or I am told that there is an ancient law that means some owners of property residing in a parish church boundary will be compelled to pay for maintenance to the chancel within the church. Is this appropriate for conveyancing in Rotherham?
Unless a prior acquisition of the house took place post 12 October 2013 you may take it that solicitors conducting conveyancing in Rotherham to continue to advocate a chancel search and or insurance against a claim.
It has been five months since my purchase conveyancing in Rotherham concluded. I have checked the Land Registry site which shows that I paid £175,000 when infact I paid £160,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I decided to have a survey completed on a property in Rotherham ahead of retaining solicitors. I have been informed that there is a flying freehold element to the property. My surveyor has said that some banks will refuse to give a mortgage on such a property.
It depends who your proposed lender is. HSBC has different requirements for example to Nationwide. Should you wish to telephone us we can check via the appropriate lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Rotherham. Conveyancing may be slightly more expensive based on your lender's requirements.
How difficult is it to transfer to a new solicitor as I have to instruct a firm on the HSBC Bank conveyancing list. I was using a high street conveyancing solicitor in Rotherham round the corner but she is not accepted by HSBC Bank
It would be our pleasure to assist you find a conveyancing solicitor in Rotherham on the HSBC Bank panel. Please note that the solicitors that we on the directory do not pay us fee if you instruct them and are under regulation of the Solicitors Regulation Authority who regulate all conveyancing solicitors in Rotherham. In utilising search facility on this website, you can compare and instruct different solicitors and conveyancers both nationally and in Rotherham.
As co-executor for the estate of my aunt I am selling a residence in Cardiff but I am based in Rotherham. My solicitor (who is 250 kilometers awayhas requested that I execute a stat dec ahead of completion. Could you suggest a conveyancing lawyer in Rotherham who can attest and place their company stamp on the document?
Technically speaking you are not likely to need to have the documents attested by a conveyancing solicitor. Ordinarily any notary public or qualified solicitor will do regardless of whether they are located in Rotherham