I am the registered owner of a freehold house in Shifnal but still charged rent, why is this and what is this?
It’s unusual for properties in Shifnal and has limited impact for conveyancing in Shifnal 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 hundreds of years, but the Rent Charge Act 1977 barred the generation of fresh rentcharges from 1977 onwards.
Previous rentcharges can now be redeemed by making a lump sum payment under the Act. Any rentcharges that are still in existence post 2037 is to be dispensed with completely.
I have been referred to a conveyancing solicitor in Shifnal. I I am struggling to find out if they are accepted on the Britannia approved list of lawyers. Could you assist?
You should phone your conveyancer and ask them whether they are on the lender panel. Alternatively you should call Britannia who may be able to assist.
When it comes to mortgage companies such as Barclays, do Shifnal conveyancers incur a yearly amount to be on the list of approved solicitors?
We are unaware of any bank fees to register on their panel, although some do charge an administration fee to deal with the processing of the conveyancing panel submission.
I am currently in the process of buying my council flat in Shifnal. I have a mortgage agreed with Virgin Money. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Virgin Money, you will need to appoint a solicitor on the Virgin Money conveyancing panel.
After shopping around on the internet I have found a Shifnal solicitor having checked that they are on the RBS conveyancing panel. Does my lawyer arrange the survey of the property?
RBS will need an independent valuation of the property. Your lawyer will not arrange this. Usually RBS will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your conveyancing practitioner will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Shifnal postcode. As you are getting a mortgage with RBS, you could contact them to see if they have a list of approved surveyors in Shifnal.
I know that there are debates on Chancel Insurance on online forums. Am I compelled to take this when acquiring a property in Shifnal? or I am told that there is a law dating back centuries that means some house owners residing in a parish church boundary will be compelled to contribute towards maintenance to the chancel in proximity to the church. Is this a legitimate concern for conveyancing in Shifnal?
Unless a previous purchase of the house completed after 12 October 2013 you may assume that lawyers delivering conveyancing in Shifnal to remain encouraging a chancel search and or insurance against a claim.
Taking into account that I am about to spend over three hundred thousand on a property in Shifnal I wish to talk to a lawyer about myconveyancing in advance of instructing the firm. Can this be arranged?
We could not agree more - we would be pleased to talk to you we do not take any clients on without you speaking to the solicitor due to be conducting your conveyancing in Shifnal.There is no ‘factory style conveyancing’ - every client is unique person, not a file reference. The solicitors that we put you in touch with believe that the fees you are quoted for residential conveyancing in Shifnal should be the figure that you end up paying.
I need to assess estimates for conveyancing in Shifnal from numerous lawyer and decide on one. Do I instruct them to hold tight until I a suitable apartment to buy.
You should only ask your conveyancing practitioner to open a file and order searches once the offer has been agreed to on the property especially as Shifnal conveyancing searches are not inexpensive.