I'm in the process of swapping over from my current homeowner mortgage to a Buy to Let HSBC Bank mortgage. I have been informed by my broker that I must appoint a solicitor for this. I spoke to my former Surbiton conveyancing firm who acted on my behalf when I first acquired the property. The costs estimate provided of £500 has shocked me as I am not require purchase conveyancing - it’s simply a straightforward remortgage.
The quote is slightly on the expensive side. If you you were to look around you might get the conveyancing a bit cheaper by as much as £100 plus VAT. On the other hand, if you were happy with the service the firm provided you couldlive to regret choosing an an untested solicitor. Remember to enquire that the solicitor can represent HSBC Bank. You can utilise our search tool to locate a Surbiton conveyancing firm on the HSBC Bank conveyancing panel, which can often include conveyancing solicitors in Surbiton.
I have given 8 weeks notice to my existing landlord and have to leave my rented property in Surbiton by 28/1/2026. Conveyancing for my house purchase is progressing. How realistic is it to complete in three weeks as I wish to avoid having to move into short term accommodation?
Generally one should not give notice for your letting unless exchange of contracts has taken place. Assuming that you have not already done so, notify to your conveyancer and urge them to they cajole the sellers side, try to an acceptable time-line that everyone will work to achieve
Despite weeks of looking the Title Certificate and documents to our house can not be found. The conveyancers who conducted the conveyancing in Surbiton 4 years ago have long since closed. What do I do?
Gone are the days when you need to have the physical original deeds to evidence that you are the owner of your registered land or premises, given that the Land Registry hold details of all registered land or property electronically.
How does conveyancing in Surbiton differ for new build properties?
Most buyers of new build residence in Surbiton contact us having been asked by the developer to sign contracts and commit to the purchase even before the premises is built. This is because new home sellers in Surbiton tend to acquire the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Surbiton or who has acted in the same development.
I opted to have a survey carried out on a property in Surbiton before appointing lawyers. I have been told that there is a flying freehold overhang to the house. Our surveyor advised that some lenders may refuse to issue a loan on a flying freehold premises.
It depends who your proposed lender is. Bank of Scotland has different instructions for example to Halifax. Should you wish to telephone us we can check with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Surbiton. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Surbiton to see if the conveyancing costs will increase in light of this.
I have given up negotiating a lease extension in Surbiton. Can this matter be resolved via the Leasehold Valuation Tribunal?
Most certainly. We are happy to put you in touch with a Surbiton conveyancing firm who can help.
An example of a Lease Extension case for a Surbiton residence is Flat D 15 Claremont Gardens in September 2013. TheTribunal determined in accordance with section48 and Schedule13 of the Leasehold Reform,Housing and Urban Development Act 1993 that the premium for the extended lease should be fourteen thousand one hundred and eighty seven pounds (£14,187.00) This case related to 1 flat.
What are the frequently found problems that you witness in leases for Surbiton properties?
There is nothing unique about leasehold conveyancing in Surbiton. All leases are unique and drafting errors can sometimes mean that certain clauses are not included. The following missing provisions could result in a defective lease:
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Insurance obligations Maintenance charge proportions which don’t add up to the correct percentage
You will have a problem when selling your property if you have a defective lease as they can affect a potential buyer’s ability to obtain a mortgage. HSBC Bank, The Royal Bank of Scotland, and Platform Home Loans Ltd all have express conveyancing instructions when it comes to what is expected in a lease. Where a lender has been advised by their lawyers that the lease is problematic they may refuse to provide security, forcing the purchaser to withdraw.