I am considering applying for a Skipton mortgage for purchase of a newly converted (under development) in Upminster with 70% loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for Skipton ?
There is nothing to stop you using your solicitor, but Skipton will insist on their interests being represented by a firm on their conveyancing panel. There is greater potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.
What does a local search inform me about the property we're purchasing in Upminster?
Upminster conveyancing often starts with the applying for local authority searches directly from your local Authority or via a personal search organisations for instance Onsearch The local search plays a central part in most Upminster conveyancing purchase; as long as you wish to avoid any unpleasant surprises after you move into your new home. The search will reveal data on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 subject headings.
It has been 4 months since my purchase conveyancing in Upminster took place. I have checked the Land Registry website which shows that I paid £175,000 when infact I paid £160,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the asset from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I am looking for a leasehold apartment up to £235,500 and identified one near me in Upminster I like with open areas and railway links in the vicinity, the downside is that it only has 61 years unexpired on the lease. There is not much else in Upminster for this price, so just wondered if I would be making a grave error purchasing a short lease?
If you require a mortgage that many years will likely be a potential deal breaker. Reduce the offer by the expected lease extension will cost if it has not already been discounted. If the existing owner has owned the premises for a minimum of 2 years you could request that they commence the lease extension formalities and pass 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 about this.
As co-executor for the estate of my father I am disposing of a house in Newport but reside in Upminster. My conveyancer (approximately 260 miles from mehas requested that I sign a stat dec before the transaction finalising. Can you recommend a conveyancing solicitor in Upminster to attest and place their company stamp on the document?
Technically speaking you are unlikely to be required to have the documents attested by a conveyancing solicitor. Normally any notary public or solicitor will do regardless of whether they are based in Upminster
I purchased a property in Upminster last 28/6/2024 and to date it is still not registered with HM Land Registry. It was part of a new estate and my property lawyer told me that it can take 12 months to register. I have spoken with HMLR directly and they say that the original application was cancelled due to failure to reply to requisitions. Should I be concerned?
It is your conveyancer that you should turn to here in order to satisfy any concerns which have been raised as part of the registration formalities for your Upminster property. Normal Upminster conveyancing practice includes an undertaking on the part of the vendor’s conveyancing practitioner that they will help resolve any requisition raised by HMLR so it may be a case of seeking to enforce that undertaking in some way.