My uncle informed me that in buying a property in Sketty there could be a number of restrictions preventing external alterations to the property. Is this right?
There are anumerous of properties in Sketty which have some sort of restriction or requirement of consent to perform external changes. Part of the conveyancing in Sketty should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I had a mortgage agreed in principle with Lloyds. Sketty conveyancing lawyers were chosen. How long does it take for Lloyds to send the offer to the conveyancing practitioner?
Some lenders take longer than others. Have Lloyds conducted the survey? Have you advised Lloyds as to your lawyers' details and checked that your lawyers are on the Lloyds conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
We were going to get a AIP from TSB this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do TSB recommend any Sketty solicitors on the TSB conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Sketty solicitors independently although you'll need to choose one on the TSB conveyancing panel. The solicitor represents both you and TSB through the process.
My colleague recommended that if I am buying in Sketty I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
This is a search is sometimes quoted for as part of the standard Sketty conveyancing searches. It is a large report of about 40 pages, listing and setting out significant information about Sketty around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Local Education with maps and statistics, Local Amenities and other useful data regarding Sketty.
The deeds to our house can not be found. The lawyers who handled the conveyancing in Sketty 4 years ago no longer exist. What are my options?
These day there are duplicates made of almost everything, and your lawyer should know precisely where to look for all the relevant documentation so you can buy or sell your property without any difficulty. Where copies are not available, your conveyancer may be able to put in place insurance or indemnities against possible claims on the premises.
I am buying a new build apartment in Sketty. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.
Here is a sample of a selection of leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Sketty
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The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. Please supply a car parking plan. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents.
Due to the guidance of my in-laws I had a survey completed on a property in Sketty ahead of retaining conveyancers. I have been informed that there is a flying freehold element to the house. My surveyor has said that some mortgage companies may refuse to grant a mortgage on a flying freehold house.
It depends who your proposed lender is. HSBC has different requirements for example to Halifax. If you e-mail us we can investigate further with the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Sketty. Conveyancing will be smoother if you use a solicitor in Sketty especially if they regularly deal with such properties in Sketty.
We're novice buyers - agreed a price, but the agent advised that the vendor will only issue a contract if we instruct their chosen lawyers as they need a ‘quick sale’. We would rather use a family solicitor with experience of conveyancing in Sketty
We suspect that the owner is not behind this requirement. If they require ‘a quick sale', taking such a hostile approach to a genuine purchaser is going to damage their objectives. Speak to the vendors direct and make the point that (a)you are keen to buy (b)you are ready to go, with finances in place © you have nothing to sell (d) you intend to proceed fast (e)but you are going to use your own,trusted Sketty conveyancing lawyers - not the ones that will provide the estate agent a referral fee or hit his conveyancing targets pre-set by head office.