Would the conveyancing solicitors listed on your site carry out conveyancing in South Brent by way of an attended exchange?
We do have a number of conveyancing specialists carrying out 24hr exchanges. You should call us to secure a fee calculation and details as to dates.
Please help - my lawyer advises that flying freehold insurance is needed on my purchase. What is the level of cover for South Brent conveyancing?
The appropriate level of flying freehold indemnity insurance depends on your lender. It would differ for example between National Westminster Bank and Bank of Scotland. Conveyancing solicitors as opposed to members of the public take out such policies.
I have today made my last payment due on my mortgage with Clydesdale. I assume I don't need a South Brent solicitor on the Clydesdale panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Clydesdale mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Clydesdale mortgage from the register. Clydesdale, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Clydesdale has sent the Land Registry the discharge electronically, and
- Clydesdale has instructed the Land Registry to do so
I can not work out if my mortgage offer requires a lease extension. I have called my South Brent bank branch on various occasions and was advised it wasn't an issue and they will lend. My South Brent conveyancing solicitor - who is on the bank conveyancing panel- called to say that they would not lend in accordance with their specific requirements. I have no idea who is right.
Your solicitor must follow the CML Handbook Part 2 requirements for your bank. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.
My wife and I have a renovated Georgian house in South Brent. Conveyancing practitioner represented me and Chelsea Building Society. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: one for freehold, another for leasehold with the exact same address. If a house is not a freehold shouldn't I have been informed?
You should 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 owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in South Brent 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 check the situation with the conveyancing practitioner who conducted the work.
Just had an offer accepted on a new build flat in South Brent. Conveyancing is daunting 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 few leasehold new build enquiries that you may expect your new-build leasehold conveyancing in South Brent
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The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. Forfeiture - bankruptcy or liquidation must not apply under this provision. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified.
I opted to have a survey done on a property in South Brent prior to retaining solicitors. I have been informed that there is a flying freehold element to the house. The surveyor advised that some lenders will not issue a loan on such a house.
It depends who your proposed lender is. Lloyds has different requirements from Birmingham Midshires. If you e-mail us we can check via the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in South Brent. Conveyancing will be smoother if you use a solicitor in South Brent especially if they are familiar with such properties in South Brent.
My husband and I are novice buyers - agreed a price, yet the selling agent informed us that the seller will only proceed if we instruct the agent's recommended solicitors as they are insisting on an ‘expedited deal’. Our preferred option is to instruct a high street solicitor used to conveyancing in South Brent
We suspect that the owner is not behind this ultimatum. If they require ‘a quick sale', alienating a genuine purchaser is counter productive. Try to communicate with the vendors directly and explain that (a)you are motivated buyers (b)you are excited to move forward, with finances in place © you have nothing to sell (d) you wish to move quickly (e)but you will continue to appoint your own,trusted South Brent conveyancing lawyers - as opposed tothe ones that will give their estate agent a introducer fee or hit his conveyancing targets set by head office.