Some advice if I may. My The Meadows conveyancer is informing me me that she is duty bound toorder The Meadows conveyancing searches asthe firm are on the HSBCconveyancing panel. Is this really necessary?
Unfortunately both you and your lawyer have little choice here. As you are obtaining a home loan with a bank your solicitor has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your conveyancing practitioner would have previously signed the Terms and Conditions of your lender’s conveyancing panel appointment which obliges them to follow the CML Handbook specifications . Even if you were a cash buyer you would be ill advised not to carry out The Meadows conveyancing searches.
Can I use your services to locate a Conveyancing solicitor in The Meadows even where I’m not purchasing or selling a house, for example if I want to buy an office in The Meadows with a mortgage from Bank of Scotland?
The service is mainly utilised to help choose residential conveyancing solicitors in The Meadows but we have set out at the bottom of this page a few The Meadows commercial conveyancing firms. You will need to enquire with the company directly to see if they can also act for Bank of Scotland
A friend pointed out to me me that in buying a property in The Meadows there may be various restrictions affecting the ability to carry out external alterations to a property. Is this right?
There are anumerous of properties in The Meadows which have some sort of restriction or requirement of consent to carry out external variations. Part of the conveyancing in The Meadows should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
We are purchasing a end of terrace house in The Meadows. Our aim is to carry out a loft conversion at the property.Will the conveyancing process include investigations to determine if these works are permitted?
Your solicitor should review the registered title as conveyancing in The Meadows will sometimes identify restrictions in the title deeds which prohibit categories of works or require the permission of a 3rd party. Many extensions require local authority planning consent and approval in compliance with building regulations. Certain areas are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. It would be sensible to check these issues with a surveyor ahead of any purchase.
At last I have had an offer on an apartment in The Meadows accepted, but there is a chain. The sellers have put an offer on on an apartment, however it’s not yet tied up, and are looking at other properties in the pipeline. I have chosen a high street conveyancing solicitor in The Meadows. What do I do now? At what stage do I apply for the mortgage with HSBC?
It is normal to have apprehensions where there is a chain as you are unlikely to want to be too out of pocket prematurely (home loan application is approx £1k, then valuation, The Meadows conveyancing search fees, etc). First, you should check that your conveyancer is on the HSBC conveyancing panel. Regarding the next steps this very much depends on the uniqueness of your transaction, motivation for this property and on the state of the market. In a rising market the majority of purchasers would apply for the mortgage with HSBC and arrange for the valuation and only if it comes back ok would they request their lawyer to move forward with searches.
My wife and I own a semi-detached Edwardian property in The Meadows. Conveyancing lawyer represented me and Bank of Scotland. I happened to do a free search for it on the Land Registry database and I saw two entries: one for freehold, another for leasehold under the matching property. If a house is not a freehold shouldn't I have been informed?
You need to assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in The Meadows and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also enquire as to the position with the conveyancing practitioner who conducted the purchase.
Yesterday I discovered that there is a flying freehold issue on a house I have offered on last month in what should have been a simple, chain free conveyancing. The Meadows is where the house is located. What do you suggest?
Flying freeholds in The Meadows are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside The Meadows you must be sure that your lawyer goes through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in The Meadows may determine 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 property.
In my capacity as executor for the estate of my father I am disposing of a property in Cardiff but I am based in The Meadows. My solicitor (who is 250 kilometers awayrequires that I sign a statutory declaration ahead of the transaction finalising. Can you recommend a conveyancing practitioner in The Meadows to witness and place their company stamp on the document?
strictly speaking you are not likely to need to have the documents witnessed by a conveyancing solicitor. Ordinarily or notary public or qualified solicitor will suffice regardless of whether they are located in The Meadows