I am getting a mortgage offer from Lloyds. I hope to use a Licensed Conveyancer in Aylesford. Does the Lloyds Solicitor panel allow for conveyancers regulated by the CLC?
The Lloyds conveyancing panel is, like many other lenders, associated to the CML or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
I own a freehold premises in Aylesford yet pay rent, why is this and what is this?
It’s unusual for properties in Aylesford and has limited impact for conveyancing in Aylesford but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.
Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for hundreds of years, but the Rent Charge Act 1977 barred the generation of new rentcharges from 1977 onwards.
Old rentcharges can now be extinguished by making a lump sum payment under the Act. Any rentcharges that are still in existence after 2037 will be dispensed with completely.
We hope to to buy with Darlington Building Society. We have called around locally but cant to find a Aylesford conveyancing firm on the Darlington Building Society panel. Can you help?
Feel free to take advantage of the search tool on this web page. Pick the lender and type Aylesford or your location and you will be presented with numerous solicitors offices in Aylesford or nearest you.
I am purchasing a 4 bedroom semi-detached house in Aylesford. The intention is to an extension at the rear at the property.Will legal investigations on the property include enquiries to see if these works are prohibited?
Your conveyancer will review the registered title as conveyancing in Aylesford can on occasion reveal restrictions in the title documents which restrict categories of works or need the consent of another owner. Some extensions need local authority planning permissions and approval under the building regulations. Some locations are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. You should check these issues with a surveyor ahead of any purchase.
I happen to be the only beneficiary of my late grandmother’s estate and I have everything in my name alone, including the my former home in Aylesford. Conveyancing formalities meant that the Land Registry date was in July. I want to move. I understand that there is a CML six month 'rule', which means that my property ownership will be considered the same way as though I had purchased the property in July. Will no one buy the property for half a year?
The Council of Mortgage Lenders’ handbook instructs solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you may be caught by that. Most lenders would take a practical view as this obligation principally exists to pick up on the purchase and immediately sell or the wholesaling and assigning of properties.
Having digested plenty of house buying guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Aylesford solicitor - who is on the Bank of Ireland conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Bank of Ireland will need an independent valuation of the property. Your lawyer will not arrange this. Usually Bank of Ireland 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. Your solicitor will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Aylesford postcode. As you are getting a mortgage with Bank of Ireland, you could contact them to see if they have a list of approved surveyors in Aylesford.
I need to find a conveyancing solicitor for freehold conveyancing in Aylesford. I have stumble upon a web site which looks to be the perfect solution If it is possible to get all the legals completed via phone that would be preferable. Should I be concerned? What should out be looking out for?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?
Why do Aylesford conveyancing costs differ for leasehold and freehold properties?
Leasehold conveyancing in Aylesford will often involve additional work such as checking the lease, corresponding with the freeholder, obtaining up to date rent receipts, landlord’s consents, management company’s accounts amongst other tasks.