Can you vouch for a Platform Home Loans Ltd sanctioned Birmingham conveyancing lawyer finish our home move within under 3 weeks? Am I best advised to unstruct a local Birmingham practice or an internet firm?
We would be happy to suggest some excellent Birmingham conveyancing firms. Another option is to visit the main road in Birmingham. Visit two or three law practices and request to see a conveyancing solicitor for a fee estimate. Mention your expectations together with your reasons and get an assurance on speed. Select the one that genuine.
Me and my brother have a 4 bedroom Victorian property in Birmingham. Conveyancing lawyer acted for me and Yorkshire Building Society. I did a free Land Registry search last week and I saw a couple of entries: the first freehold, the second leasehold under the exact same property. If a house is not a freehold shouldn't I have been informed?
You need to read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Birmingham and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with buyers. You can also check the situation with the conveyancing solicitor who conducted the work.
I'm purchasing my first flat in Birmingham with a mortgage from Nationwide Building Society. The builders refused to reduce the amount so I negotiated five thousand pounds worth of additionals instead. The sale representative told me not inform my conveyancer about the side-deal as it would put at risk my loan with the bank. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Due to the input of my in-laws I had a survey completed on a house in Birmingham before appointing solicitors. I have been informed that there is a flying freehold overhang to the property. Our surveyor has said that some mortgage companies may refuse to grant a loan on this type of property.
It varies from the lender to lender. Santander has different requirements from Nationwide. Should you wish to telephone us we can investigate further via the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Birmingham. Conveyancing may be slightly more expensive based on your lender's requirements.
As co-executor for the estate of my grandfather I am selling a house in Neath but I am based in Birmingham. My solicitor (based 235 miles awayneeds me to sign a stat dec ahead of the transaction finalising. Could you suggest a conveyancing practitioner in Birmingham who can attest and place their company stamp on the document?
strictly speaking you are not likely to be required to have the documents witnessed by a conveyancing solicitor. Normally any notary public or solicitor will do regardless of whether they are located in Birmingham
My wife and I may need to rent out our Birmingham ground floor flat for a while due to a career opportunity. We used a Birmingham conveyancing practice in 2004 but they have since shut and we did not have the foresight to seek any guidance as to whether the lease permits subletting. How do we find out?
Notwithstanding that your last Birmingham conveyancing lawyer is not around you can review your lease to check if you are permitted to let out the property. The accepted inference is that if the lease is silent, subletting is permitted. There may be a precondition that you must seek consent via your landlord or other appropriate person before subletting. This means you not allowed to sublet without first obtaining consent. Such consent is not allowed to be unreasonably refused ore delayed. If your lease does not allow you to sublet you will need to ask your landlord if they are willing to waive this restriction.
Leasehold Conveyancing in Birmingham - Sample of Queries before Purchasing
-
You should be aware that where the lease has less than 80 years it will have adverse implications on the salability of the flat. Check with your lender that they are willing to lend given the lease term. A short lease means that you will most likely need a lease extension at some point and you need to have some idea of what this will be. Remember, in most cases you would be required to have been the owner of the property for two years before you are legally able to exercise a lease extension. Does the lease contain onerous restrictions? Are any of leasehold owners in dispute over their service charge liability?