I am expecting a mortgage with Halifax. My intention is to enlist the help of a Licensed Conveyancer in Ashford Kent. Does the Halifax Conveyancing panel exclude conveyancers regulated by the CLC?
The Halifax conveyancing panel is, like many other lenders, represented by the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the CLC.
Finally the sale completed on my house in Ashford Kent last May yet the purchaser is texting me to say her lawyer needs to hear from mine. What should my lawyer have done now that I have sold?
Following your disposal your lawyer should send the transfer deeds and all of the paperwork to the purchaser's lawyers. Depending on the transaction, your lawyer should also evidence that the home loan has been paid off to the purchasers lawyers. There is unlikely to be post completion steps peculiar conveyancing in Ashford Kent.
My home in Ashford Kent is up for sale and I have a purchaser. Does the property lawyer have to be on the Virgin Money conveyancing panel in order to deal with repayment of my mortgage?
Ordinarily, even if your lawyer is not on the Virgin Money conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their conditions fairly frequently in recent years.
Despite weeks of looking the Title Certificate and documents to our home can not be found. The lawyers who conducted the conveyancing in Ashford Kent 5 years ago have long since closed. What do I do?
You no longer need to hold title deeds to establish that you are the registered proprietor of land or property, given that the Land Registry have everything they need in a digital format.
I am buying a new build apartment in Ashford Kent. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.
Set out below is a sample of a selection of leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Ashford Kent
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Forfeiture - bankruptcy or liquidation must not apply under this provision. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? There must be mutual enforceability of lessee’s covenants. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Please confirm the Lease plans are architect prepared.
There are only Fifty years remaining on my lease in Ashford Kent. I need to extend my lease but my landlord is absent. What options are available to me?
On the basis that you meet the appropriate requirements, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the County Court for an order to dispense with the service of the initial notice. This will mean that your lease can be extended by the magistrate. You will be obliged to demonstrate that you have made all reasonable attempts to track down the lessor. For most situations an enquiry agent would be useful to carry out a search and prepare an expert document which can be accepted by the court as proof that the freeholder is indeed missing. It is wise to seek advice from a conveyancer both on proving the landlord’s disappearance and the application to the County Court covering Ashford Kent.
I acquired a basement flat in Ashford Kent, conveyancing having been completed half a dozen years ago. Can you let me have an estimate of the premium that my landlord can legally expect in return for granting a renewal of my lease? Similar properties in Ashford Kent with an extended lease are worth £216,000. The ground rent is £50 levied per year. The lease runs out on 21st October 2094
With only 69 years unexpired we estimate the price of your lease extension to span between £9,500 and £11,000 plus legals.
The figure that we have given is a general guide to costs for extending a lease, but we cannot give you a more accurate figure in the absence of detailed due diligence. Do not use this information in tribunal or court proceedings. There may be other concerns that need to be taken into account and clearly you want to be as accurate as possible in your negotiations. Neither should you move forward placing reliance on this information before seeking the advice of a professional.