In the event thatI were to acquire a straightforward housein Saltney for cash and dispense with a survey and no local authority searches how much could I expect to to save on my conveyancing in Saltney?
Any savings you would make would be limited to the Saltney conveyancing searches. The conveyancing practitioner still got to do everything else - money laundering, liaising with your sellers property lawyer, stamp duty return, register the ownership etc. You might save a bit for them not needing to register a charge however it will not be significant.
I own a freehold property in Saltney but still invoiced for rent, why is this and what is this?
It’s unusual for properties in Saltney and has limited impact for conveyancing in Saltney but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.
Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges date back many centuries, but the Rent Charge Act 1977 barred the establishment of fresh rentcharges post 1977.
Previous rentcharges can now be redeemed by making a lump sum payment under the Act. Any rentcharges that are still in existence after 2037 is to be extinguished.
My Solicitor in Saltney is not listed on the Halifax Conveyancing Panel. Is it possible for me to retain my family solicitor notwithstanding that they are not on the Halifax panel?
Your options are as follows:
- Carry on with your preferred Saltney lawyers but Halifax will need to use a solicitor on their panel. This will result in additional total conveyancing fees as well as result in delays.
- Choose a new lawyer to to deal with the purchase, obviously checking they are on the Halifax panel
I happen to be the single recipient of my late mum's will and I have everything in my name alone, including the my former home in Saltney. The Saltney property was put into my name in April. I plan to dispose of the house. I do know about the CML 6 month 'rule', which means that my property ownership may be regarded the same way as though I had purchased the property in April. Will no one buy the property for half a year?
The CML 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 may be caught by that. How practical a view banks take of it, depend on the bank as this requirement primarily exists to capture subsales or the wholesaling and assigning of properties.
Can I be sure that the Saltney conveyancing solicitor on the Barclays panel is any good?
When it comes to conveyancing in Saltney getting recommendations is a good start. 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 which is cheap as chips. We would always advise that you speak with the solicitor conducting your transaction.
The formalities of my remortgage has taken place for my property in Saltney. Conveyancing was satisfactory but I would like to complain about the lender. How do I make a complaint?
All lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are resolved effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
Due to the encouragement of my in-laws I had a survey completed on a house in Saltney prior to appointing conveyancers. I have been told that there is a flying freehold overhang to the property. Our surveyor has said that some mortgage companies will refuse to issue a loan on such a home.
It depends who your proposed lender is. Bank of Scotland has different requirements for example to Birmingham Midshires. Should you wish to telephone us we can check via the relevant lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Saltney. Conveyancing will be smoother if you use a solicitor in Saltney especially if they are familiar with such properties in Saltney.
I need to retain a conveyancing solicitor for purchase conveyancing in Saltney. I've discover a site which appears to be the ideal solution If there is a chance to get all the legals completed via phone that would be preferable. Should I be wary? What are the potential pitfalls?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?