It is is a decade since I purchased my house in Seascale. Conveyancing lawyers have now been instructed on the sale but I can't track down my title deeds. Is this a problem?
You need not be too concerned. First the deeds may be kept by the lender or they may be in the possession of the solicitor who handled the purchase. Secondly in all probability the land will be recorded at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers obtaining current official copies of the land registers. Most conveyancing in Seascale involves registered property but in the unlikely event that your home is unregistered it adds to the complexity but is resolvable.
We hope to to purchase with Darlington Building Society. I popped in a few high street firms but cant to find a Seascale conveyancing firm on the Darlington Building Society panel. Could you assist?
You should take advantage of the find a lender approved solicitor tool on this site. Please choose the lender and type Seascale or your preferred area and you will see a number of lawyer located in Seascale or by proximity to you.
Despite weeks of looking the Title Certificate and documents to our property can not be found. The conveyancers who conducted the conveyancing in Seascale 5 years ago have long since closed. What are my options?
Nowadays there are copies made of almost everything, and your lawyer will know exactly where to find all the suitable documentation so you can purchase or sell your house without a hitch. If duplicates can’t be found, your conveyancer may be able to put in place insurance or indemnities against possible claims on your premises.
I opted to have a survey done on a house in Seascale ahead of appointing solicitors. I have been informed that there is a flying freehold overhang to the house. My surveyor has said that some lenders may refuse to grant a loan on a flying freehold house.
It depends who your proposed lender is. HSBC has different requirements for example to Birmingham Midshires. If you call us we can investigate further via the relevant bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Seascale. Conveyancing will be smoother if you use a solicitor in Seascale especially if they regularly deal with such properties in Seascale.
My husband and I are four weeks into a leasehold purchase having been directed to conveyancers by the selling agent to perform conveyancing in Seascale. I am am starting to be dissatisfied with the level of service. Could you you assist me in finding new lawyers?
They would have to be very bad to suggest diss instructing them. Has the mortgage been sent? If so you must make them aware of the new contact details and get the loan are issued to the new lawyers. Your conveyancer should be on the banks panel to avoid added fees and complications. So that should be your starting point. The search tool can assist you in finding a bank approved solicitor for your home move in Seascale
I’m about to sell my garden apartment in Seascale. Conveyancing solicitors are to be appointed soon, but I have recently received a half-yearly service charge invoice – what should I do?
The sensible thing to do is clear the invoice as normal given that all rents and maintenance invoices will be allotted on completion, so you should recover the relevant percentage by the buyer for the period running from after the completion date to the next payment date. Most management companies will not acknowledge the buyer until the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. This will smooth the conveyancing process.
I invested in buying a 1 bedroom flat in Seascale, conveyancing having been completed in 1995. Can you give me give me an indication of the likely cost of a lease extension? Comparable properties in Seascale with over 90 years remaining are worth £175,000. The ground rent is £65 yearly. The lease ends on 21st October 2083
With just 58 years unexpired we estimate the premium for your lease extension to be between £23,800 and £27,400 plus plus your own and the landlord's "reasonable" professional fees.
The suggested premium range that we have given is a general guide to costs for extending a lease, but we are not able to supply the actual costs without more detailed investigations. You should not use the figures in tribunal or court proceedings. There may be other issues that need to be taken into account and clearly you want to be as accurate as possible in your negotiations. Please do not take any other action based on this information without first getting professional advice.