I am need of leasehold conveyancing for an apartment in a fairly new development (seven years old) in St Neots. 95% of the appartments are already disposed of. Do I need carry out the conveyancing searches for my conveyancing in St Neots?
Conveyancing Searches are a central link in the St Neots conveyancing process. There are hundreds search providers who offer St Neots conveyancing searches, as well straight from the local authority. These are known collectively as personal search companies due to them carrying out, personal searches. Nevertheless, all Local Authority Search conveyancing products have one thing in common - they must obtain their information from the local authority.
I am considering applying for a Clydesdale mortgage for purchase of a newly converted (under development) in St Neots with 60% loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for Clydesdale ?
There is nothing to stop you using your solicitor, but Clydesdale will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with two solicitors involved, and it will undoubtedly be more expensive too.
We are aiming to move property in February. Does my conveyancing solicitor call the removal company on the day of completion. As an aside, can you suggest a removal company in St Neots. Conveyancing solicitor was found before I stumbled across this website.
On the afternoon of completion you can pick up the house keys from your property agent however this should only happen after the sellers conveyancers confirm to the agent that they have the completion monies and the keys can be handed over. Subsequently you should tell the removal men that they can start moving you in. We are not in a position to suggest a specific removal company but can help you choose a conveyancing in St Neots or a solicitor that specialises in conveyancing in St Neots.
I've digested plenty of mortgage guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local St Neots solicitor - who is on the UBS conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
UBS will need an independent valuation of the property. Your lawyer will not arrange this. Usually UBS 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. You may wish to consider appointing your own St Neots surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
Virgin Money have agreed my home loan in principle, my offer on a house in St Neots has been accepted, now what?
The estate agent will wish to know who your solicitors are (be sure the property lawyers are on the bank’s panel). Contact Virgin Money or your broker and finalise any outstanding forms. Virgin Money will appoint a valuer who will get in contact with the selling agent or seller to schedule a slot for the valuation to happen. Once carried out (assuming no problems) it takes about a week to get a mortgage offer. Virgin Money will issue 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 St Neots.
I am selling our property in St Neots and according to the buyers it appears that there is a possibility that the property was constructed land that was not decontaminated. Any high street St Neots lawyer would know that there is no such problem. It does beg the question why the buyers instructed an internet conveyancing practice as opposed to a conveyancing solicitor in St Neots. Having lived in St Neots for three years we know of no issue. Do we get in touch with our local Authority to obtain confirmation that there is no issue.
It sounds as though you may have a conveyancing solicitor currently acting for you. Are they able to advise? You should enquire of 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 life insurance to cover that same sickness)
I've recently found out that there is a flying freehold element on a property I have offered on last month in what should have been a quick, chain free conveyancing. St Neots is the location of the property. Is there any advice you can impart?
Flying freeholds in St Neots are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside St Neots you would need to get your solicitor to go through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in St Neots may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
I'm remortgaging my primary property to a buy to let mortgage with Coventry Building Society and intend to use the remaining equity as a down payment on another house. The location we are looking at is St Neots. Will your conveyancers be able to act for both sets of banks and tie in the transactions?
Make use of our search tool on this site to check that the lawyers are approved by both mortgage companies. On the basis that they are your conveyancer will be able to connect the two transactions but you should talk with you conveyancer and make clear your desired outcome and needs.