My grandmother passed away 10 months ago and as sole heir and executor I was left the property in Upper Clapton. The house had a small mortgage remaining of approximately £4500. I want to transfer the title deeds into my name whilst I re-mortgage to Kent Reliance, pay off the mortgage. Is this possible?
Given you plan to re-mortgage then Kent Reliance will require that you use a conveyancer on the Kent Reliance conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Kent Reliance conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Kent Reliance mortgage is registered as a charge at the Land Registry.
Do I need to take out insurance to cover chancel repairs when purchasing a residence in Upper Clapton?
Unless a prior purchase of the property took place after 12 October 2013 you can take it that lawyers handling conveyancing in Upper Clapton to remain encouraging a chancel search and or chancel repair liability policy.
I used Stirling Law several years past for my conveyancing in Upper Clapton. Now, I need my files however the law firm has closed. What do I do?
You should contact the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Upper Clapton of the conveyancing firm of solicitors you previously retained, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I'm purchasing a new build house in Upper Clapton with the aid of help to buy. The developers refused to budge the price so I negotiated 6k of additionals instead. The house builders rep advised me not reveal to my conveyancer about this side-deal as it may impact my mortgage with the bank. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
My step-father has recommend that I use his conveyancing solicitors in Upper Clapton. Should I use them?
There are no two ways about it it’s preferable to choose a conveyancing practitioner is to have referrals from friends or family who have actually experience in using the conveyancer that you are contemplating using.
Is it the case that all Upper Clapton conveyancers on every lender conveyancing panel?
The Lexsure search tool on this page may be of use or you can pop into your local lender branch in Upper Clapton. Chances are that they will be in a position to suggest some reputable conveyancing solicitors in Upper Clapton