My aunt passed away 10 months ago and as sole heir and executor I was left the house in Stalybridge. The house had a relatively small loan left on it of around £5k. I want to transfer the title deeds into my name whilst I re-mortgage to TSB, pay off the mortgage. Is this possible?
If you plan to re-mortgage then TSB will insist on your using a conveyancer on the TSB conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your TSB conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the TSB mortgage is registered as a charge at the Land Registry.
My relative recommended that where I am buying in Stalybridge I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is occasionally quoted for as part of the standard Stalybridge conveyancing searches. It is not a small report of more than thirty pages, listing and detailing significant information about Stalybridge around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Stalybridge Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Local Education with maps and statistics, Local Amenities and other useful information regarding Stalybridge.
I have recentlydiscovered that Wolstenholmes have closed. They conducted my conveyancing in Stalybridge for a purchase of a leasehold apartment 9 months ago. How can I be sure that my home is in my name in the name of the previous owner?
The quickest method to see if the premises is registered to you, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Stalybridge conveyancing specialists.
I've recently found out that there is a flying freehold element on a house I have offered on two weeks back in what should have been a straight forward, chain free conveyancing. Stalybridge is the location of the property. Can you shed any light on this issue?
Flying freeholds in Stalybridge are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Stalybridge you would need to get your solicitor to go through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Stalybridge may ascertain 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 converting the mortgage on my primary house to a buy to let loan with HSBC Bank and I will use the rest of the raised equity as a deposit on a second house. The neighborhood we are interested in is Stalybridge. Will your lawyers be able to act for the two lenders and link together the two deals?
Make use of our comparison tool on this page to be sure that the lawyers are on the relevant lender panels. On the basis that they are the lawyer should be able to connect the two deals but you should talk with you lawyer and make apparent your expectations and requirements.
I am using a search engine for the term on line conveyancing in Stalybridge it reveals numerous solicitorslocally. With so much choice what is the best way to find the right conveyancer for purchase transaction?
The best method of finding a suitable conveyancer is through a personal recommendation, so seek the opinion of friends and those you trust who have acquired a property in Stalybridge or the local estate agent or financial adviser. Fees for conveyancing in Stalybridge vary, so it's a good idea to request a minimum of four costs illustrations from varying types of companies. Be sure to obtain confirmation that the fees are fixed.