It has come to my attention via my estate agent that my Beacon Hill the law firm I have appointed is not on the bank Conveyancing panel. What can I do to check?
You need to contact your Beacon Hill lawyer directly. You lawyer should notify you of the situation. Where they are not on the panel they could put your in touch with solicitors on the conveyancing panel for your mortgage company.
Our grandson is purchasing a new build apartment in Beacon Hill with a mortgage from Bank of Ireland. His solicitor has advised him of a delay in receiving the ‘Disclosure of Incentive Form’. What is this document - I have never come across this before?
The document is intended to provide information to the main parties engaged in the transaction. Therefore, it will be provided to your son’s lawyer who should be on the Bank of Ireland conveyancing panel as a standard part of the process, and to the surveyor when asked. The developer will be required to start the process by downloading the form and completing it. The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Bank of Ireland conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.
My uncle passed away six months ago and as sole heir and executor I was left the property in Beacon Hill. The house had a small mortgage remaining of approximately £8000. I want to have the title changed into my name whilst I re-mortgage to Leeds Building Society, pay off the mortgage. Is this possible?
If you intend to re-mortgage then Leeds Building Society will insist on your using a conveyancer on the Leeds Building Society 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 Leeds Building Society 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 Leeds Building Society mortgage is registered as a charge at the Land Registry.
My uncle advised me that in purchasing a property in Beacon Hill there may be a number of restrictions as to what one can do in terms of external alterations to a property. Is this right?
There are a number of properties in Beacon Hill which have some sort of restriction or requirement of consent to carry out external alterations. Part of the conveyancing in Beacon Hill should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I have paid off my mortgage with UBS. I assume I don't need a Beacon Hill conveyancer on the UBS panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your UBS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the UBS mortgage from the register. UBS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where UBS has sent the Land Registry the discharge electronically, and
- UBS has instructed the Land Registry to do so
I've read lots of house buying guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Beacon Hill solicitor - who is on the Kent Reliance conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Kent Reliance will need an independent valuation of the property. Your lawyer will not arrange this. Usually Kent Reliance 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 conveyancing practitioner 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 Beacon Hill postcode. As you are getting a mortgage with Kent Reliance, you could contact them to see if they have a list of approved surveyors in Beacon Hill.
Do commercial conveyancing searches reveal proposed roadworks that could affect a commercial premises in Beacon Hill?
Its becoming the norm that commercial conveyancing solicitors in Beacon Hill will perform a SiteSolutions Highways report as it dramatically cuts the time that conveyancers expend in investigating accurate data on highways that impact buildings and development assets in Beacon Hill. The search result provides definitive information on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Beacon Hill.
For every commercial conveyancing transaction in Beacon Hill it is crucial to investigate the adoption status of roads surrounding a site. Failure to identify developments where adoption procedures have not been addressed adequately could cause delays to Beacon Hill commercial conveyancing transactions as well as pose a risk to future plans for the site. These searches are not conducted for residential conveyancing in Beacon Hill.
In my capacity as executor for the estate of my uncle I am disposing of a residence in Swansea but I am based in Beacon Hill. My conveyancer (based 260 miles from merequires that I sign a stat dec ahead of the transaction finalising. Could you suggest a conveyancing practitioner in Beacon Hill who can witness and place their company stamp on the document?
Technically speaking you should not be required to have the documents witnessed by a conveyancing solicitor. Ordinarily or notary public or qualified solicitor will do regardless of whether they are based in Beacon Hill