We are looking to buy a flat and need a conveyancing solicitor in Anerley who is on the Nationwide solicitor panel. Can you recommend a local conveyancing firm?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Nationwide . We don't recommend any particular firms conducting conveyancing in Anerley.
My aunt passed away 10 months ago and as sole heir and executor I was left the house in Anerley. The house had a small mortgage left on it of around £8000. I want to have the title changed into my name whilst I re-mortgage to Clydesdale, pay off the mortgage. Is this allowed?
Given you plan to refinance then Clydesdale will require that you use a conveyancer on the Clydesdale 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 Clydesdale 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 Clydesdale mortgage is registered as a charge at the Land Registry.
I am being advised by my lawyer that defective lease insurance is required on my purchase. What is the level of cover for Anerley conveyancing?
The right level of defective lease indemnity insurance depends on who your lender is. It would differ for example between HSBC Bank and The Mortgage Works. Conveyancing lawyers as opposed to members of the public take out such policies.
I happen to be the single recipient of my late mum's will and I have everything in my name alone, including the house in Anerley. Conveyancing formalities meant that the Land Registry date was in May. I want to move. I do know about the CML 6 month 'rule', which means that my property ownership will be considered the same way as if I'd bought the house in May. Will no one buy the property for half a year?
The Council of Mortgage Lenders’ handbook requires conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you could be impacted by that. Most lenders would take a pragmatic view as this clause is chiefly there to identify the purchase and immediately sell or the wholesaling and assigning of properties.
When it comes to mortgage companies such as Coventry BS, do Anerley property lawyers incur an annual charge to be on the list of approved solicitors?
We are not aware of any mortgage company fees to be on their panel, although some do levy an administration charge to deal with the processing of the conveyancing panel submission.
I've recently found out that there is a flying freehold element on a house I put an offer in two weeks back in what was supposed to be a quick, no chain conveyancing. Anerley is where the house is located. Can you shed any light on this issue?
Flying freeholds in Anerley are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Anerley you would need to get your solicitor to go through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Anerley may determine 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 property.
Is it simple use your search tool to choose a conveyancing lawyer in Anerley on the approved list for my bank?
1st pick a mortgage company such as Accord Mortgages Ltd, Bank of Scotland or Godiva Mortgages Ltd then choose your location e.g. Anerley. Conveyancing organisations in Anerley and beyond should be shown.
My aim is to acquire a garden maisonette in Anerley. Conveyancing lawyer is awaiting, from the vendor, building insurance paperwork. This morning I was advised that the seller needs to send the insurance paperwork for the flat above in addition. Why does my conveyancer need to check the insurance for the other flat? Is it strictly required? We have been stalled for the last month…
It is not impossible in leasehold conveyancing in Anerley to find Conveyancing in Anerley in a minority of cases reveals that the lease provides for the tenant's to insure their individual flats as opposed to the freeholder insuring the whole building - which is definitely better. Do contact your conveyancer but it would appear that your lawyer is looking to establish that the entire building is insured. Insuring a ground floor residence is no help when it comes to rebuilding after a fire if the 1st floor cannot be reconstructed as a result of lack of insurance.