Completed the sale of my flat in Woodhouse and Handsworth last May yet the purchaser is Skype messaging every few hours to moan that his solicitor needs to hear from mysolicitor. What are the post completion sale formalities now that I have sold?
Post completion of your sale your lawyer should send the transfer documentation and all supplemental paperwork to the purchaser's conveyancer. If applicable, your conveyancer should also confirm that the home loan has been repaid to the purchasers conveyancers. There is unlikely to be post completion requirements specific conveyancing in Woodhouse and Handsworth.
I am expecting a AIP from Yorkshire BS this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Yorkshire BS recommend any Woodhouse and Handsworth solicitors on the Yorkshire BS conveyancing panel, or is it better to go independently?
You will need to appoint Woodhouse and Handsworth solicitors independently although you'll need to choose one on the Yorkshire BS conveyancing panel. The solicitor represents both you and Yorkshire BS through the process.
It is not clear whether my bank obliges me to make sure the lease term for the flat is extended prior to the completion date. I have telephoned my Woodhouse and Handsworth bank branch on various occasions and was informed it wasn't an issue and they would lend. My Woodhouse and Handsworth conveyancing solicitor - who is on the mortgage company conveyancing panel- called and was told they refuse to lend based on their published requirements. Who do I believe?
Your property lawyer must follow the Council of Mortgage Lenders’ Handbook Part 2 conditions for your lender. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
After weeks of negotiation I have agreed a price on an apartment in Woodhouse and Handsworth. My mortgage broker suggested a conveyancing practitioner. I paid an advanced payment of £150. Not long after, the conveyancing practitioner called me sheepishly admitting that they were not on the Aldermore conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Aldermore panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I have recentlybecome aware that Wolstenholmes have closed. They carried out my conveyancing in Woodhouse and Handsworth for a purchase of a freehold house 9 months ago. How can I be sure that the property is in my name in the name of the former proprietor?
The quickest method to see if the property is in your name, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Woodhouse and Handsworth conveyancing specialists.
How does conveyancing in Woodhouse and Handsworth differ for newly converted properties?
Most buyers of new build residence in Woodhouse and Handsworth contact us having been asked by the seller to sign contracts and commit to the purchase even before the property is built. This is because developers in Woodhouse and Handsworth usually buy the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Woodhouse and Handsworth or who has acted in the same development.
I decided to have a survey done on a property in Woodhouse and Handsworth ahead of retaining conveyancers. I have been informed that there is a flying freehold overhang to the property. Our surveyor advised that some mortgage companies will refuse to grant a mortgage on this type of property.
It varies from the lender to lender. Santander has different requirements for example to Birmingham Midshires. If you contact us we can check via the relevant lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Woodhouse and Handsworth. Conveyancing will be smoother if you use a solicitor in Woodhouse and Handsworth especially if they are acquainted with such properties in Woodhouse and Handsworth.
A conveyancing firm acted on my conveyancing in Woodhouse and Handsworth 8 years past and was holding my title documents but has since been shut down – how do I retreive them?
Deeds, as such, are no longer appropriate for most properties in Woodhouse and Handsworth are archived digitally at Land Registry. If you need to establish ownership or are disposing of or refinancing your lawyer can obtain up to date copies of the register from the Land Registry in any case.
If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned as quickly as possible.