Do the conveyancing solicitors via your comparison service handle attended exchange conveyancing in Ruislip Manor?
There are a few conveyancing specialists who can conduct attended exchanges. You should contact us to get a costs illustration and details as to availability.
Finally the sale completed on my house in Ruislip Manor last December but the buyer keeps calling daily to moan that their conveyancer needs to hear from mine. What should my lawyer have done following completion?
Post completion of your sale your lawyer should send the transfer documentation and all additional paperwork to the buyer’s conveyancer. Where appropriate, your lawyer must also evidence that the mortgage has been discharged to the purchasers conveyancers. There is unlikely to be post completion procedures just for conveyancing in Ruislip Manor.
I am the only recipient of my late mum's will and I have everything in my name alone, including the my former home in Ruislip Manor. The Ruislip Manor property was put into my name in July. I want to move. I do know about the Mortgage Lenders 6 month 'rule', meaning my property ownership could be regarded the same way as though I had purchased the house in July. Is the property unsalable for six months?
The Council of Mortgage Lenders’ handbook mandates 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 might be caught by that. How sensible a view lenders take of it, depend on the bank as this clause principally exists to pick up on the purchase and immediately sell or the flipping of property.
I have a mortgage with Co-operative for my property in Ruislip Manor. Conveyancing was finalised some time ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Co-operative?
Your original mortgage agreement with Co-operative will provide that you need their approval in advance of letting out your property as this is likely to be a breach of Co-operative’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Co-operative directly. You need not do this via a Co-operative conveyancing panel firm.
Skipton have agreed my home loan in principle, my offer on a apartment in Ruislip Manor has been agreed to, what are the next steps?
Your property agent will need to be informed of your conveyancing practitioner's details (ensure that the conveyancing practitioners are on the lender’s panel). Call up Skipton or the broker and complete any appropriate documentation. Skipton will sellect a valuer who will get in contact with the selling agent or seller to book an appointment. Once conducted (assuming no problems) it takes approximately a fortnight to get a mortgage offer. Skipton will issue the offer to you and your property lawyers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Ruislip Manor.
I used Wolstenholmes several years ago for my conveyancing in Ruislip Manor. I now require my file but the law firm has closed. What do I do?
Do contact the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Ruislip Manor of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I've recently found out that there is a flying freehold element on a property I have offered on last month in what should have been a straight forward, chain free conveyancing. Ruislip Manor is where the house is located. Is there any guidance you can impart?
Flying freeholds in Ruislip Manor are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Ruislip Manor you would need to get your solicitor to go through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Ruislip Manor 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 today plan to offer on a house that appears to tick a lot of boxes, at a great price which is making it more attractive. I have just discovered that it's a leasehold rather than freehold. I am assuming that there are issues buying a house with a leasehold title in Ruislip Manor. Conveyancing solicitors have not yet been instructed. Will they explain the issues?
The majority of houses in Ruislip Manor are freehold rather than leasehold. In this scenario it’s worth having a local solicitor used to dealing with such properties who can assist with the conveyancing process. it is apparent that you are buying in Ruislip Manor so you should seriously consider shopping around for a Ruislip Manor conveyancing solicitor and check that they are used to transacting on leasehold houses. First you will need to check the unexpired lease term. As a lessee you will not be entirely free to do whatever you want with the house. The lease will likely included provisions for example requiring the freeholder’sconsent to conduct alterations. You may also be required to pay a contribution towards the upkeep of the estate where the house is part of an estate. Your lawyer will appraise you on the various issues.