Completed the sale of my flat in Sawtry last August but the buyer keeps whats apping every few hours to say his solicitor is waiting to hear from mylawyer. What should my lawyer have done now that I have sold?
Following your sale your solicitor is committed to send the transfer deeds and all supplemental paperwork to the purchaser's solicitors. Depending on the transaction, your conveyancer should also confirm that the home loan has been repaid to the purchasers conveyancers. There is unlikely to be post completion requirements specific conveyancing in Sawtry.
My father pointed out to me me that in buying a property in Sawtry there may be a number of restrictions preventing external alterations to a property. Is this right?
There are a number of properties in Sawtry which have some sort of restriction or requirement of consent to external alterations. Part of the conveyancing in Sawtry should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
The formalities of my purchase has taken place for my property in Sawtry. Conveyancing was a necessary evil but I would like to complain about the lender. How do I make a complaint?
Almost all lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. In most cases complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
I am due to exchange contracts on my apartment. I had a double glazing fitted in August 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, TSB are being problematic. The Sawtry solicitor who is on the TSB conveyancing panel is recommending indemnity insurance as a solution but TSB are insisting on a building regulation certificate. Why do TSB have a conveyancing panel if they don't accept advice from them?
It is probably the case that TSB have referred the matter to their valuer. The reason why TSB may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
What does a local search reveal regarding the house I am purchasing in Sawtry?
Sawtry conveyancing often starts with the submitting local authority searches directly from your local Authority or via a personal search company such as PSG The local search plays a central role in many a Sawtry conveyancing purchase; that is if you wish to avoid any nasty surprises after you move into your new home. The search will supply information on, amongst other things, details on planning applications relevant to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 subject headings.
My wife and I purchased a semi-detached Georgian house in Sawtry. Conveyancing practitioner acted for me and Godiva Mortgages Ltd. I did a free Land Registry search last week and there are two entries: the first freehold, the second leasehold with the matching address. I'd like to know for sure, how can I find out??
You need to review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Sawtry and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the situation with your conveyancing practitioner who conducted the work.
Due to the input of my in-laws I had a survey completed on a property in Sawtry before appointing solicitors. I have been informed that there is a flying freehold aspect to the property. Our surveyor has said that some lenders will not grant a mortgage on such a home.
It varies from the lender to lender. HSBC has different requirements from Nationwide. Should you wish to telephone us we can check with 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 Sawtry. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Sawtry to see if the conveyancing will be more expensive.
Why do I have to provide my conveyancer with various items of identification before they can commence with selling or buying a property in Sawtry?
Sawtry conveyancers are required by the Law Society, SRA, HM Land Registry and current AML Regulations to record that the have verified the identity of their clients. It is also sometimes a requirement of your lender where you are taking a mortgage. In addition they have to complete various forms, particularly those relating to SDLT and need to have information such as your full names, NI number and date of birth.