I am obtaining a offer of a home loan from Nat West. I intend to enlist the help of a Licensed Conveyancer in Woodhouse and Handsworth. Does the Nat West Solicitor panel include conveyancers regulated by the CLC?
The Nat West approved solicitor list is, like many other lenders, associated to the CML or BSA, open to Licensed Conveyancers regulated by the CLC.
My uncle passed away 10 months ago and as sole heir and executor I was left the property in Woodhouse and Handsworth. The house had a small mortgage remaining of approximately £5k. I want to transfer the title deeds into my name whilst I re-mortgage to Yorkshire BS, pay off the mortgage. Is this possible?
Where you plan to refinance then Yorkshire BS will require that you use a conveyancer on the Yorkshire BS 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 Yorkshire BS 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 Yorkshire BS mortgage is registered as a charge at the Land Registry.
This question may be naive but I am wet behind the ears as FTB of a garden flat in Woodhouse and Handsworth. Do I collect the keys to the property on the completion date from my lawyer? If this is the case, I will find a local conveyancing solicitor in Woodhouse and Handsworth?
On the day of completion you do not need to go to the conveyancers office in Woodhouse and Handsworth. Conveyancing lawyers for you will arrange to send the purchase money to the owner’s lawyers, and shortly after the monies have arrived, you will be called to collect the keys from the selling Agents and start moving into the property. This tends to happen between 1 and 3pm.
I am purchasing a terrace house in Woodhouse and Handsworth. We would like to carry out a loft conversion at the property.Will legal conveyancing on the property involve enquiries to ascertain if these alterations are permitted?
Your conveyancer will check the deeds as conveyancing in Woodhouse and Handsworth will sometimes reveal restrictions in the title deeds which prohibit certain alterations or require the consent of another owner. Many additions call for local authority planning permissions and approval in compliance with building regulations. Some locations are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. You should check these things with a surveyor ahead of any purchase.
Is there a list of RBS panel solicitors in Woodhouse and Handsworth on the Council of Mortgage Lender’s Website?
No. There is no such tool on the CML or Building Society Association sites. Very few lenders make their panel listings viewable online. Where you are in need of a Woodhouse and Handsworth lawyer on the RBS please use our tool.
My wife and I are downsizing from our home in Woodhouse and Handsworth and the buyers lawyers are claiming that there is a possibility that the property was built land that was not decontaminated. A high street Woodhouse and Handsworth lawyer would know this is not the case. It does beg the question why the purchasers are using a national conveyancing firm rather than a conveyancing solicitor in Woodhouse and Handsworth. Having lived in Woodhouse and Handsworth for many years we know that this is a non issue. Should we get in touch with our local Authority to seek clarification that the buyers are looking for.
It sounds as though you may have a conveyancing solicitor already. What do they say? You should check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same illness)
I've recently found out that there is a flying freehold issue on a property I have offered on a fortnight ago in what should have been a simple, chain free conveyancing. Woodhouse and Handsworth is the location of the property. Can you offer any advice?
Flying freeholds in Woodhouse and Handsworth are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Woodhouse and Handsworth you must be sure that your lawyer goes through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Woodhouse and Handsworth may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
I have been informed by numerous estate agents that it should take six to eight weeks for Woodhouse and Handsworth conveyancing to complete.This was 3 ago. The draft contract was only forwarded to my conveyancing practitioner last week so does the time start running now?
There is no official timeframe for conveyancing in Woodhouse and Handsworth, or any area in the UK. You simply have to make sure your finances are in order and wait for the rest to come to you eventually.