Completed the sale of my flat in tipton last June yet the purchaser is calling daily to say their solicitor is waiting to hear from mine. What are the post completion sale legalities following completion?
Following your house sale your lawyer should deliver the transfer documentation and all supplemental paperwork to the buyer’s lawyers. If applicable, your conveyancer must also send confirmation that the legal charge in favour of the lender has been discharged to the purchasers conveyancers. There are no post completion procedures peculiar conveyancing in tipton.
We're in tipton, FTBs buying with a mortgage (lender is Clydesdale , and our solicitor is on the Clydesdale conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Clydesdale conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancer should guarantee a timeframe for your conveyancing, due to third parties outside of your control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain.
Can you help - my lawyer advises that restrictive coveneant insurance is necessary on my purchase. What is the typical level of cover needed for conveyancing in tipton?
The right level of restrictive coveneant indemnity insurance depends on who your lender is. It would differ for example between Birmingham Midshires and Barnsley Building Society. Conveyancing solicitors as opposed to members of the public take out such policies.
We are getting a further advance on our home loan from Lloyds as we intend to conduct alterations to our house in tipton. Do we need to appoint a bricks and mortar tipton solicitor on the Lloyds conveyancing panel to deal with the paperwork?
Lloyds would not normally instruct a member of their conveyancing panel to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Lloyds list.
I am due to exchange contracts on my house. I had a double glazing fitted in April 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Lloyds are being pedantic. The tipton solicitor who is on the Lloyds conveyancing panel is saying indemnity insurance will be fine but Lloyds are requiring a building regulation certificate. Why do Lloyds have a conveyancing panel if they don't accept advice from them?
It is probably the case that Lloyds have referred the matter to their valuer. The reason why Lloyds 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.
I have a renovated Georgian house in tipton. Conveyancing lawyer represented me and Accord Mortgages Ltd. 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 exact same address. Is it worth asking Accord Mortgages Ltd to clarify?
You need to assess the Freehold register you have again and check the Charges Register for 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 tipton and other locations in 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 buyers. You can also enquire as to the situation with the conveyancing practitioner who conducted the work.
Due to the input of my in-laws I had a survey completed on a property in tipton ahead of appointing solicitors. I have been told that there is a flying freehold overhang to the property. My surveyor has said that some banks will refuse to give a loan on such a property.
It depends who your proposed lender is. HSBC has different instructions for example to Nationwide. Should you wish to call us we can check with the relevant bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in tipton. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in tipton to see if the conveyancing costs will increase in light of this.
I am four weeks into a leasehold purchase having been directed to conveyancers by the local agent to perform conveyancing in tipton. I am am extremely frustrated with the quality of service. Could you you assist me in finding new solicitors?
They would need to be really poor to suggest diss instructing them. Has your mortgage been generated? If so you must advise them of the new contact details and have the offer are re-sent. The conveyancer needs to be on the lenders approved list to avoid supplemental charges and complications. So that should be your starting point. The find a solicitor tool should help you find a bank approved conveyancer for your home move in tipton