Can I use your services to recommend a Conveyancing solicitor in Stamford Bridge even if I’m not buying or disposing of a house, for example if I wish to acquire a shop in Stamford Bridge with a loan from The Royal Bank of Scotland?
Our comparison service is primarily used to get a quote from residential conveyancing solicitors in Stamford Bridge but we have recorded towards the end of this page some Stamford Bridge commercial conveyancing firms. You will need to speak with the firm directly to see if they are also authorised to represent The Royal Bank of Scotland
This question may be naive but I am new to the home moving as FTB of a two bedroom flat in Stamford Bridge. Do I pick up the keys to the premises on completion from my conveyancer? If so, I will use a High Street conveyancing solicitor in Stamford Bridge?
There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will electronically transfer the purchase money to the owner’s conveyancers, and once they have received this, you should be able to collect the keys from the selling Agents and move into your new home. Usually this occurs early afternoon.
I happen to be the only recipient of my late grandmother’s will and I have everything in my name now, including the house in Stamford Bridge. The Stamford Bridge property was put into my name in April. I want to move. I understand that there is a Mortgage Lenders six month 'rule', meaning my property ownership will be treated the same way as though I had purchased the house in April. Do I have to wait 6 months to sell?
The CML handbook mandates conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you might be affected by that. How sensible a view lenders take of it, depend on the lender as this obligation chiefly exists to capture the purchase and immediately sell or the quick reselling of properties.
I am due to exchange contracts on my apartment. I had a double glazing fitted in March 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Bank of Ireland are being difficult. The Stamford Bridge solicitor who is on the Bank of Ireland conveyancing panel is saying indemnity insurance will be fine but Bank of Ireland are requiring a building regulation certificate. Why do Bank of Ireland have a conveyancing panel if they don't accept advice from them?
It is probably the case that Bank of Ireland have referred the matter to their valuer. The reason why Bank of Ireland may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
A relative advised me that where I am purchasing in Stamford Bridge I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
A search of this type is sometimes included in the estimate for your Stamford Bridge conveyancing searches. It is not a small report of more than thirty pages, listing and setting out important information about Stamford Bridge around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Stamford Bridge Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Local Education with maps and statistics, Local Amenities and other useful information about Stamford Bridge.
I have been on the look out for a flat up to £195,000 and identified one near me in Stamford Bridge I like with a park and station in the vicinity, however it's only got 51 years on the lease. There is not much else in Stamford Bridge suitable, so just wondered if I would be making a grave error purchasing a short lease?
If you need a home loan that many years will be a potential deal breaker. Discount the offer by the amount the lease extension will cost if not already taken into account. If the existing owner has owned the property for at least 2 years you may request that they start the process of the extension and then assign it to you. An additional ninety years can be extended on to the existing lease and have £0 ground rent by law. You should consult your conveyancing solicitor concerning this matter.
My husband and I are 18 days into a leasehold purchase having been referred to conveyancers by the local agent to handle our conveyancing in Stamford Bridge. I am am starting to be frustrated with the quality of service. Can you help me find new conveyancers?
A conveyancer would have to be really poor in order to consider changing them. Has your loan offer been issued? In the event that it has you will need to make them aware of the new lawyer and have the mortgage documents are re-sent. Your conveyancer needs to be on the mortgage company approved list to avoid escalating charges and frustration. That should be your starting point. The search tool should assist you in finding a bank approved solicitor for your conveyancing in Stamford Bridge
Can you provide any advice for leasehold conveyancing in Stamford Bridge with the purpose of speeding up the sale process?
- A significant proportion of the delay in leasehold conveyancing in Stamford Bridge can be reduced if you appoint lawyers as soon as your agents start advertising the property and ask them to put together the leasehold information which will be required by the purchasers’ conveyancers. Some Stamford Bridge leases require Landlord’s consent to the sale and approval of the buyers. If this is the case, you should place the estate agents on notice to make sure that the purchasers put in hand financial (bank) and professional references. The bank reference should make it clear that the buyer is able to meet the yearly service charge and the actual amount of the service charge should be quoted in the bank’s letter. You will therefore need to provide your estate agents with the service charge figures so that they can pass this information on to the purchasers or their lawyers. You believe that you know the number of years remaining on your lease but you should verify this by asking your conveyancers. A purchaser's conveyancer will not be happy to advise their client to to exchange contracts if the lease term is below 75 years. It is therefore important at an as soon as possible that you consider whether the lease term for your property needs extending. If it does, contact your solicitors before you put your property on the market for sale. If you have had any disputes with your freeholder or managing agents it is essential that these are settled prior to the flat being put on the market. The purchasers and their solicitors will be reluctant to purchase a flat where there is a current dispute. You may need to swallow your pride and discharge any arrears of service charge or resolve the dispute prior to completion of the sale. It is therefore preferable to have any dispute settled prior to the contract papers being issued to the buyers’ solicitors. You will still have to reveal particulars of the dispute to the buyers, but it is better to reveal the dispute as over as opposed to unsettled. In the event that you altered the property did you need the Landlord’s permission? In particular have you installed wooden flooring? Most leases in Stamford Bridge state that internal structural changes or laying down wooden flooring require a licence issued by the Landlord approving such alterations. Should you fail to have the consents in place you should not communicate with the landlord without checking with your lawyer before hand.
Stamford Bridge Leasehold Conveyancing - A selection of Queries Prior to buying
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The prefered form of lease structure is if the freehold title is owned by the leaseholders. In this situation the tenants have control and although a managing agent is usually employed if it is bigger than a house conversion, the managing agent retained by the leaseholders. Are any of leasehold owners in dispute over their service charge liability? Its a good idea to find out as much as you can regarding the company managing the building as they will affect your use and enjoyment of the property. Being a leasehold owner you will be in the clutches of the managing agents from a financial perspective and when it comes to daily matters such as the cleanliness of the communal areas. Ask other people what they think of them. Finally, investigate as to the dates that the service charges are due to the relevant party and specifically what it includes.