My uncle passed away 10 months ago and as sole heir and executor I was left the house in Uppingham. The house had a relatively small loan left on it of around £4500. I want to have the title changed into my name whilst I re-mortgage to Santander, pay off the mortgage. Is this possible?
Where you intend to refinance then Santander will insist on your using a conveyancer on the Santander 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 Santander 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 Santander mortgage is registered as a charge at the Land Registry.
The deeds to my house can not be found. The conveyancers who conducted the conveyancing in Uppingham 10 years ago have long since closed. What do I do?
These day there are copies made of almost everything, and your conveyancer should be aware exactly where to look for all the appropriate paperwork so you can purchase or dispose of your house without a hitch. If duplicates can’t be located, your solicitor may be able to arrange cover in the form of insurance or indemnities protecting you against possible claims on the premises.
The estate agent has sent us the confirmation of our purchase of a new build flat in Uppingham. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.
Here is a sample of a few leasehold new build questions that you can expect your new-build leasehold conveyancing in Uppingham
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The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Please supply evidence that the form of Lease proposed has been approved by the Land Registry. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. Please confirm the Lease plans are architect prepared.
I opted to have a survey completed on a property in Uppingham prior to instructing solicitors. I have been advised that there is a flying freehold overhang to the house. The surveyor advised that some mortgage companies will refuse to grant a mortgage on a flying freehold house.
It depends who your proposed lender is. Lloyds has different requirements for example to Nationwide. Should you wish to telephone us we can look into this further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Uppingham. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Uppingham to see if the conveyancing costs will increase in light of this.
My father has recommend that I appoint his conveyancing solicitors in Uppingham. Do I take his advice?
There are no two ways about it it’s preferable to find a conveyancing lawyer is to have recommendations from friends or relatives who have used the solicitor you're contemplating using.
Back In 2009, I bought a leasehold house in Uppingham. Conveyancing and Santander mortgage organised. I have received a letter from someone claiming to own the freehold. It included a demand for arrears of ground rent dating back to 1993. The conveyancing practitioner in Uppingham who previously acted has now retired. Do I pay?
The first thing you should do is make enquiries of HMLR to be sure that the individual purporting to own the freehold is indeed the registered owner of the freehold reversion. You do not need to incur the fees of a Uppingham conveyancing firm to do this as you can do this on the Land Registry website for less than a fiver. You should note that regardless, even if this is the legitimate landlord, under the Limitation Act 1980 no more than 6 years of rent can be collected.
Leasehold Conveyancing in Uppingham - Sample of Queries before buying
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Plenty Uppingham leasehold apartments will be liable to pay a service bill for maintenance of the block set on behalf of the landlord. Should you acquire the apartment you will have to pay this amount, normally in instalments during the year. This may vary from a few hundred pounds to thousands of pounds for buildings with lifts and large common grounds. In all probability there will be a ground rent for you to pay yearly, this is usually not a significant amount, say approximately £25-£75 but you need to enquire it because occasionally it could be many hundreds of pounds. Who is in charge of the building? How many years remain on the lease?