It is is a decade since I purchased my house in West Cross. Conveyancing solicitors have recently been instructed on the sale but I am unable to find my title deeds. Will this cause complications?
Don’t worry too much. Firstly there is a possibility that the deeds will be retained by the lender or they may be in the possession of the solicitor who handled your purchase. Secondly in most cases the title will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing lawyers obtaining current official copies of the land registers. The vast majority of conveyancing in West Cross relates to registered property but in the rare situation where your property is not registered it is more tricky but is not insurmountable.
Our bank has suggested solicitors on their panel based in West Cross but I would rather use a conveyancing lawyer in West Cross round the corner to me. Are you able to help?
Far from all West Cross conveyancing firms are listed all banks conveyancing panel. Use the above find an approved solicitor tool to identify a West Cross conveyancing firm on the on the mortgage company panel.
I am buying a new build house in West Cross with the aid of help to buy. The builders refused to move on the amount so I negotiated £7000 of additionals instead. The sale representative told me not to tell my lawyer about this deal as it could jeopardize my mortgage with the lender. 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.
What tools are available to search for a West Cross law firm on the Alliance & Leicester conveyancing panel? I am a keen cyclist and am prepared to travel upto 25kilometers to meet the solicitor.
You can use the search on this page. Please select a lender and your location and you will see a number of West Cross conveyancing lawyers located nearest you. We have detailed some West Cross conveyancing firms at the bottom of this page and you can telephone them to verify whether they are on the Alliance & Leicester approved list
If all goes to plan we aim to complete our sale of a £325,000 flat in West Cross next Thursday. The management company has quoted £384 for Certificate of Compliance, building insurance schedule and previous years service charge statements. Is it legal for a freeholder to charge an administration fee for a leasehold conveyance in West Cross?
West Cross conveyancing on leasehold apartments more often than not involves the buyer’s conveyancer sending enquiries for the landlord to answer. Although the landlord is not legally bound to respond to these enquiries most will be willing to do so. They are at liberty to charge a reasonable charge for responding to questions or supplying documentation. There is no set fee. The average costs for the information that you are referring to is over three hundred pounds, in some transactions it exceeds £800. The management information fee invoiced by the landlord must be sent together with a synopsis of entitlements and obligations in respect of administration fees, without which the charge is technically not due. In reality one has no option but to pay whatever is requested of you should you wish to complete the sale of your home.
West Cross Conveyancing for Leasehold Flats - A selection of Questions you should ask before buying
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What is the service charge and ground rent on the property? What prohibitions exist in the West Cross Lease? The answer will be useful as a) areas may result in problems in the block as the communal areas may start to deteriorate if repairs remain unpaid b) if the leaseholders have an issue with the running of the building you will wish to know about it
Should I cancel my mortgage payments with Coventry BS once a completion date for my sale in West Cross has been agreed?
No, you should continue meeting any mortgage payments to Coventry BS pending the mortgage being repaid on completion as part of your West Cross conveyancing.