Souldappointing a Swanscombe conveyancing practice make the ownership transfer easier?
On the whole conveyancing lawyers in your neck of the woods will benefit from strong relationships with your local authority, which can help with the Swanscombe conveyancing searches that your lawyer will require. It also helps if they have good connections with the Land Registry covering your area Swanscombe, other conveyancers in the area and Swanscombe property agents.
Last October we completed a house move in Swanscombe. We have since encountered a number of problems with the house which we consider were overlooked in the conveyancing searches. Do we have any recourse? What searches should? have been conducted as part of conveyancing in Swanscombe?
It is not clear from the question as to the nature of the problems and if they are relate to conveyancing in Swanscombe. Conveyancing searches and investigations undertaken during the buying process are designed to help avoid problems. As part of the legal transfer of property, a property owner completes a document called a SPIF. If the information proves to be incorrect, then you may have a claim against the owner for any losses that you have suffered. The survey should have identified any problems with the structure of the property. Assuming a detailed survey was carried out and the issues were not identified, you may have a claim against the surveyor. However, if you did not have a full survey, you may be responsible for fixing any defects that have now been noted. We would always encourage buyers to take every possible step to ensure they are completely aware of the condition of a property before purchase regardless of whether they are buying in Swanscombe.
A colleague pointed out to me me that in purchasing a property in Swanscombe there could be a number of restrictions as to what one can do in terms of external alterations to a property. Is this right?
There are anumerous of properties in Swanscombe which have some sort of restriction or requirement of consent to external alterations. Part of the conveyancing in Swanscombe should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
The formalities of my remortgage has taken place for my property in Swanscombe. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
Most lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are sorted out very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
I've read lots of house buying guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Swanscombe solicitor - who is on the Nationwide conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Nationwide will need an independent valuation of the property. Your lawyer will not arrange this. Usually Nationwide 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 Swanscombe 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.
I am looking for a ground for flat up to £305k and found one round the corner in Swanscombe I like with open areas and station nearby, the downside is that it's only got 61 years on the lease. I can't really find anything else in Swanscombe in this price bracket, so just wondered if I would be making a mistake acquiring a lease with such few years left?
If you require a mortgage that many years will likely be a potential deal breaker. Reduce the offer by the amount the lease extension will cost if not already taken into account. If the existing proprietor has owned the premises for a minimum of twenty four months you could ask them to commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the existing lease with a zero ground rent applied. You should consult your conveyancing lawyer regarding this.
Is it possible to switch firm as I need to find a firm on the Virgin Money conveyancing panel. I had appointed a high street conveyancing solicitor in Swanscombe round the corner but he is not approved by Virgin Money
We will our best to assist in finding you a conveyancing solicitor in Swanscombe on the Virgin Money panel. Please note that the property lawyers that we list do not pay us fee if you instruct them and are fully regulated by the Solicitors Regulation Authority who regulate all conveyancing solicitors in Swanscombe. In making use of search facility on this page, you can scrutinise costs for conveyancing solicitors in Swanscombe and throughout England and Wales.
I pay a service charge for my flat in Swanscombe. Due to losing my job and personal issues I fell into arrears with payments. I negotiated a settlement plan but there remains about £1750 outstanding as of today.
I want to dispose of the property and I am nervous that this will threaten to derail the sale if I have to discharge the amount due now. I'd like to sell up and subsequently repay the debt from the completion monies - is this achievable?
Your conveyancer should be in a position to negotiate with the management company, and agree with them whether or not they would accept payment out of the sale proceeds. Here is an example of why it is advisable to choose a solicitor in Swanscombe as they may well enjoy an established relationship with the parties.