As a first time buyer what is the most important number one tip you can give me concerning purchase conveyancing in Seascale and Sellafield?
You may not hear this from too many lawyers but conveyancing in Seascale and Sellafield and elsewhere in England and Wales is an adversarial process. In other words, when it comes to conveyancing there exists plenty of opportunity for confrontation between you and others involved in the transaction. For example, the vendor, estate agent and on occasion a bank. Choosing a lawyer for your conveyancing in Seascale and Sellafield an important selection as your conveyancer is your adviser, and is the ONLY party in the process whose role it is to protect your best interests and to protect you.
Every so often a potential adversary may attempt to persuade you that it is in your interests to do things their way. As an example, the property agent may claim to be assisting by suggesting your lawyer is dragging his heels. Or your financial adviser may tell you to do something that is contrary to your conveyancers guidance. You should always trust your lawyer above all other parties when it comes to the legal transfer of property.
Do I choose a Licenced Conveyancer or Solicitor for conveyancing in Seascale and Sellafield?
There are many recorded licenced Conveyancers in Seascale and Sellafield and Solicitor partnerships in Seascale and Sellafield offering conveyancing We would stress that both are regulated professionals specialising in the legal work in transferring property. Both can deal with associated property related work such as remortgage conveyancing, lease extensions and transfer of equity conveyancing.
I am buying a property in Seascale and Sellafield. One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender UBS be concerned?
As you are obtaining a mortgage with UBS your lawyer must check the formal requirements outlined in Part 2 of UK Finance Lenders’ Handbook for UBS. The CML Handbook stipulates minimum conditions for solar panel roof-space leases, and property lawyers are required to report to UBS where a lease fails to satisfy these provisions. The provisions relate to the installation of panels on properties nationwide and is not isolated to Seascale and Sellafield.
Coventry BS have agreed my home loan in principle, my offer on a property in Seascale and Sellafield has been agreed to, now what?
Your estate agent will want to know who your solicitors are (make sure the solicitors are on the lender’s panel). Telephone Coventry BS or the broker and finalise any relevant documentation. Coventry BS will sellect a valuer who will get in touch with the selling agent or vendor to arrange a slot for the valuation to happen. Once conducted (assuming no problems) it takes approximately a week to receive the mortgage offer. Coventry BS will send the offer to you and your conveyancing practitioners. The transaction will then take it’s course according the nature and complexity of the conveyancing in Seascale and Sellafield.
I am selling our property in Seascale and Sellafield and the buyers lawyers are claiming that there is a risk of it being constructed on contaminated land. A high street Seascale and Sellafield lawyer would know this is not the case. It does beg the question why the buyers are using a factory type conveyancing firm rather than a conveyancing solicitor in Seascale and Sellafield. We have lived in Seascale and Sellafield for 4 years we know of no issue. Should we contact our local Authority to get confirmation that the buyers are looking for.
It sounds as though you may have a conveyancing firm already. Are they able to advise? You need to check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same sickness)
I own a semi-detached Georgian property in Seascale and Sellafield. Conveyancing solicitor represented me and Barclays Direct. I happened to do a free search for it on the Land Registry database and there are two entries: one for freehold, another for leasehold under the exact same property. I thought I was buying a freehold how can I check?
You need to review the Freehold register you have again and check the Charges Register for 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 Seascale and Sellafield 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 lenders. You can also check the position with your conveyancing lawyer who conducted the conveyancing.
I decided to have a survey carried out on a house in Seascale and Sellafield prior to appointing solicitors. I have been advised that there is a flying freehold overhang to the house. The surveyor advised that some mortgage companies will refuse to give a loan on a flying freehold home.
It varies from the lender to lender. Bank of Scotland has different instructions from Halifax. If you call us we can look into this further 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 Seascale and Sellafield. Conveyancing will be smoother if you use a solicitor in Seascale and Sellafield especially if they are familiar with such properties in Seascale and Sellafield.
Can I discover who is the owner of a property in Seascale and Sellafield?
Assuming that the premises is recorded at the Land Registry, and you have requisite details of the address of the premises, you should be able to view results from the HMLR of the recorded proprietor for a a minimal charge.