Having sold my house in Brampton last October yet the purchaser is telephoning me complaining that their lawyer needs to hear from mine. What should have happened following completion?
Following your sale your conveyancer should forward the transfer deeds and all additional paperwork to the buyer’s conveyancer. Where appropriate, your conveyancer must also evidence that the legal charge in favour of the lender has been repaid to the purchasers solicitors. There are no post completion requirements specific conveyancing in Brampton.
We previously selected conveyancers located in Brampton on the Co-operative solicitor approved list. They have just billed me a supplemental sum for the legal aspects of the Co-operative mortgage. Is this a supplemental conveyancing fee specified by Co-operative?
Unfortunately, so long as it is in their Terms of Engagement or estimate then yes your property lawyer is entitled to levy a fee for this. The fee is not set by Co-operative but by your Brampton conveyancing practitioner. Plenty of firms on the Co-operative panel will levy an ‘acting for lender’ fee but plenty of practices include it on their overall fee.
I recently had an offer accepted on an apartment in Brampton. My mortgage broker pressured me to appoint their property lawyer. I paid an upfront payment of £200. A couple of days later, the conveyancing practitioner called me sheepishly admitting that they were not on the Skipton conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Skipton panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I was told four weeks ago that my mortgage has been agreed to by Clydesdale. Is it usual for Clydesdale to only issue the offer once my solicitor in Brampton is approved on their conveyancing panel? Clydesdale have asked my solicitor to see a copy of their Professional Indemnity Insurance Schedule.
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Clydesdale to deal with your lawyer's application to be on the Clydesdale conveyancing panel. There's no guarantee that your solicitor will be accepted.
Are there restrictive covenants that are commonly identified as part of conveyancing in Brampton?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Brampton. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I have been on the look out for a leasehold apartment up to £195,000 and identified one round the corner in Brampton I like with a park and transport links nearby, however it's only got 52 remaining years left on the lease. I can't really find anything else in Brampton suitable, so just wondered if I would be making a mistake purchasing a lease with such few years left?
Should you require a mortgage the remaining unexpired lease term will be an issue. Reduce the offer by the amount the lease extension will cost if it has not already been discounted. If the existing owner has owned the property for at least twenty four months you could ask them to commence the lease extension formalities and pass it to you. You can add 90 years to the current lease term with a zero ground rent applied. You should consult your conveyancing solicitor concerning this matter.
I need to find a conveyancing solicitor for freehold conveyancing in Brampton. I have land on a web site which appears to be the ideal answer If it is possible to get all formalities completed via web that would be ideal. Do I need to be concerned? What are the potential pitfalls?
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?
My folks cant seem to find their Brampton property on the HM Land Registry site. They have a vague recollection fifty years ago when they bought the house there were complications concerning Brampton not being recognised in some systems.
Nearly all residences in Brampton should appear. Have you limited your search to simply the postcode. Ordinarily it should mention all the residences inside the postcode. Assuming the property is registered it will be there with a title number. Where they bought back in the 60’s it's conceivable it may be unregistered. The address could still be revealed but with the title number identified as 'na'. In this scenario you will need to locate the original title documentation which might be with your parent’s mortgage company.