Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Canning Town. My lender is Nationwide Building Society
Nationwide Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 14/4/2024, the requirements read as follows :
I am planning to move property in June. Does my conveyancing solicitor communicate with the removal company on the day of completion. On a separate note, can you suggest a removal company in Canning Town. Conveyancing solicitor was chosen prior to coming across this page.
On the day of completion you can collect the keys from your selling agent but this can only be done once the vendors conveyancers advise the agent that they have the completion monies and the keys can be collected. You will need to inform the removal men that you are ready to move in. As a matter of policy we do not recommend a particular removal company but can help you find a conveyancing in Canning Town or a firm that specialises in conveyancing in Canning Town.
I have today made my last payment due on my mortgage with HSBC. I assume I don't need a Canning Town conveyancer on the HSBC panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your HSBC 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 HSBC mortgage from the register. HSBC, 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 HSBC has sent the Land Registry the discharge electronically, and
- HSBC has instructed the Land Registry to do so
I am currently in the process of buying my council flat in Canning Town. I have a mortgage agreed with Barclays. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Barclays, you will need to appoint a solicitor on the Barclays conveyancing panel.
Is it necessary to pay for insurance to cover chancel repairs when buying a residence in Canning Town?
Unless a prior purchase of the property completed post 12 October 2013 you could take it that conveyancing practitioners carrying out conveyancing in Canning Town to continue to advocate a chancel search and or chancel repair liability insurance.
I decided to have a survey completed on a house in Canning Town prior to appointing lawyers. I have been informed that there is a flying freehold aspect to the house. Our surveyor advised that some banks will not issue a mortgage on this type of premises.
It varies from the lender to lender. Santander has different requirements from Nationwide. Should you wish to call us we can check with the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Canning Town. Conveyancing will be smoother if you use a solicitor in Canning Town especially if they are familiar with such properties in Canning Town.
I am four weeks into a freehold purchase having been directed to conveyancers by the selling agent to perform conveyancing in Canning Town. We are not happy. Can you help me find new solicitors?
A conveyancer would have to be very bad in order to consider diss instructing them. Has the mortgage been sent? In the event that it has you must make them aware of the replacement solicitor and have the mortgage documents are re-issued. The solicitor ideally should be on the mortgage company panel to avoid added expenses and delays. So that should be your starting point. The find a solicitor tool should help you find a lender approved lawyer for your home move in Canning Town
My wife and I about to complete on the purchase a property in Canning Town but as a result of wreckage from the recent storms I have agreed recompense from the seller of £3k by way of a adjustment in the price. This was going to be addressed as part of the conveyancing process however the mortgage company will not agree to this. Should they have been informed?
Your conveyancer that is on the lender conveyancing panel is duty bound to disclose to the mortgage company of any amendments to the purchase figure. In the event that you did not allow your lawyer to disclose the price change to your bank then they would have to discontinue representing you and the lender.