Finally the sale completed on my house in Alfriston last May yet the purchaser is whats apping daily to moan that their solicitor needs to hear from myconveyancer. What should have happened now that I have sold?
After completion of your sale your solicitor is obliged to deliver the transfer documentation and all of the paperwork to the buyer’s conveyancer. Where relevant, your lawyer must also confirm that the legal charge in favour of the lender has been paid off to the buyers solicitors. There is unlikely to be post completion requirements peculiar conveyancing in Alfriston.
The formalities of my remortgage has taken place for my property in Alfriston. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
All banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Department at head office. Ordinarily complaints to a lender are resolved very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
I can not fathom if my bank requires a lease extension. I have called my Alfriston bank branch on various occasions and was told it does not affect the mortgage offer and they would lend. My Alfriston conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned and was told they would not lend in accordance with their published requirements. Who do I believe?
Provided that the conveyancing practitioner is on the bank approved list, she or he must adhere to the Council of Mortgage Lenders’ Handbook requirements for the 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.
I have instructed a Alfriston solicitor having made sure that they are on the Leeds Building Society conveyancing panel. Does my lawyer arrange the survey of the property?
Leeds Building Society will need an independent valuation of the property. Your lawyer will not arrange this. Usually Leeds Building Society will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Alfriston surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
Should my solicitor be raising questions concerning flooding during the conveyancing in Alfriston.
The risk of flooding is if increasing concern for lawyers conducting conveyancing in Alfriston. Plenty of people will buy a house in Alfriston, fully aware that at some time, it may suffer from flooding. However, leaving to one side the physical damage, if a property is at risk of flooding, it may be difficult to get a mortgage, satisfactory building insurance, or dispose of the property. Steps can be carried out as part of the conveyancing process to forewarn the purchaser.
Lawyers are not qualified to impart advice on flood risk, however there are a number of checks that may be carried out by the buyer or by their lawyers which should give them a better understanding of the risks in Alfriston. The standard completed inquiry forms supplied to a buyer’s conveyancer (where the solicitors are adopting what is known as the Conveyancing Protocol) includes a standard question of the owner to discover if the premises has ever been flooded. If flooding has previously occurred and is not disclosed by the seller, then a purchaser could commence a claim for damages as a result of such an misleading reply. The buyer’s lawyers should also carry out an enviro search. This should disclose whether there is any known flood risk. If so, more detailed inquiries will need to be made.
I am selling my house. My former solicitors closed down. I would be grateful for any recommendation of a conveyancing firm. I happen to live in Alfriston if that affects matters.
You should use our search tool to help you choose a solicitor for your conveyancing in Alfriston. We have connected thousands of home buyers and sellers with lender approved solicitors to ensure that the legalities of their house move runs smoothly.
I have recently realised that I have 72 years unexpired on my flat in Alfriston. I now wish to get lease extension but my landlord is absent. What options are available to me?
On the basis that you qualify, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the County Court for for permission to dispense with the service of the initial notice. This will enable the lease to be granted an extra 90 years by the Court. However, you will be required to demonstrate that you have done all that could be expected to find the landlord. For most situations a specialist would be helpful to try and locate and prepare a report to be accepted by the court as proof that the landlord can not be located. It is advisable to get professional help from a conveyancer in relation to investigating the landlord’s disappearance and the application to the County Court covering Alfriston.
Alfriston Conveyancing for Leasehold Flats - Examples of Questions you should ask Prior to buying
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The prefered form of lease structure is if the freehold interest is owned by the leaseholders. In this arrangement the lessees have control and notwithstanding that a managing agent is frequently retained if it is bigger than a house conversion, the managing agent is directed by the tenants. Most Alfriston leasehold apartments will be liable to pay a service charge for the upkeep of the building levied on behalf of the management company. Where you buy the apartment you will have to pay this contribution, normally in instalments accross the year. This may differ from several hundred pounds to thousands of pounds for large purpose-built blocks. There will also be a ground rent to be met yearly, this is usually not a exorbitant sum, say about £50-£100 but you should to check as sometimes it could be many hundreds of pounds.
What if there is a problem with the searches conducted as part of our conveyancing in Alfriston?
Normally, most problems that arise in Alfriston conveyancing search results can be dealt with in advance of completion or indemnity insurance may be taken. It is important to remember that regardless of the fact that you are acquiring the property and might be willing to live with the search results, your building society or bank may not, and when all said and done they have the final say.