Is there a reason to appoint a Chandlers Ford conveyancing company when web based conveyancers are more affordable?
To take your time to find get 2 or 3 like-for-like quotes for conveyancing costs in Chandlers Ford and you should seek an affordable estimate but don’t expend your energy sourcing the cheapest Chandlers Ford conveyancer. Locating the right conveyancer can be the difference between a smooth and a distressing house move. You need to ensure that you have expert advice from an experienced solicitor. An e-mail can never take the place of a telephone discussion and are no substitute for a one to one appointment. The firms that we work with will allocate you a qualified and experienced conveyancing solicitor that will tackle your conveyancing from start to finish, providing a level of hand holding that you are unlikely to received from an online conveyancer. He or She will update you on headway and keep you informed. Should you need to call the office you will be sure who to ask for and we'll endeavour to make sure that you are kept fully informed.
Last December we completed a house move in Chandlers Ford. We have since encountered a number of problems with the property which we believe were omitted in the conveyancing searches. Is there anything we can do? Can you clarify the type of searches that should have been conducted for conveyancing in Chandlers Ford?
It is not clear from the question as what problems have arisen and if they are unique to conveyancing in Chandlers Ford. Conveyancing searches and investigations initiated during the buying process are supposed to help avoid problems. As part of the process, a property owner completes a questionnaire referred to as a Seller’s Property Information Form. answers turns out to be incorrect, you may have a misrepresentation claim against the seller for any losses that you have suffered. The survey should have identified any problems with the structure of the property. Assuming a detailed survey was carried out and the issues were not identified, you may have a claim against the surveyor. However, if you did not have a full survey, you may be responsible for fixing any defects that have now been noted. We would always encourage buyers to take every possible step to ensure they are completely aware of the condition of a property before purchase regardless of whether they are buying in Chandlers Ford.
Please help - my lawyer advises that lack of building regulations insurance is needed on my purchase. What is the typical level of cover needed for conveyancing in Chandlers Ford?
The right level of lack of building regulations indemnity insurance should be dictated by who who your lender is. It would differ for example between National Westminster Bank and Norwich and Peterborough Building Society. Conveyancing practitioners as opposed to members of the public take out such insurances.
I have today made my last payment due on my mortgage with Virgin Money. I assume I don't need a Chandlers Ford lawyer on the Virgin Money panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Virgin Money 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 Virgin Money mortgage from the register. Virgin Money, 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 Virgin Money has sent the Land Registry the discharge electronically, and
- Virgin Money has instructed the Land Registry to do so
I have a mortgage with Clydesdale for my property in Chandlers Ford. Conveyancing was finalised a year ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Clydesdale?
Clydesdale must be informed of your intention prior to letting out your property as this is likely to be a breach of Clydesdale’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Clydesdale directly. You need not do this via a Clydesdale conveyancing panel firm.
Just had an offer accepted on a new build flat in Chandlers Ford. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.
Here is a sample of a selection of leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Chandlers Ford
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Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Forfeiture - bankruptcy or liquidation must not apply under this provision. Please supply a car parking plan. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose?
I opted to have a survey carried out on a house in Chandlers Ford in advance of appointing conveyancers. I have been told that there is a flying freehold overhang to the property. The surveyor advised that some banks may refuse to grant a mortgage on such a property.
It depends who your proposed lender is. Santander has different requirements for example to Nationwide. If you e-mail us we can look into this further via the relevant bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Chandlers Ford. Conveyancing will be smoother if you use a solicitor in Chandlers Ford especially if they are accustomed to such properties in Chandlers Ford.
I've found a house that appears to be perfect, at a reasonable price which is making it all the more appealing. I have subsequently found out that the title is leasehold as opposed to freehold. I would have thought that there are issues buying a house with a leasehold title in Chandlers Ford. Conveyancing lawyers have are soon to be instructed. Will my lawyers set out the risks of buying a leasehold house in Chandlers Ford ?
Most houses in Chandlers Ford are freehold and not leasehold. This is one of the situations where having a local solicitor used to dealing with such properties who can help the conveyancing process. We note that you are purchasing in Chandlers Ford so you should seriously consider looking for a Chandlers Ford conveyancing solicitor and check that they are used to transacting on leasehold houses. As a matter of priority you will need to check the unexpired lease term. As a tenant you will not be at liberty to do whatever you want with the house. The lease will likely included provisions for example obtaining the landlord’spermission to carry out alterations. It may be necessary to pay a maintenance charge towards the maintenance of the communal areas where the house is located on an estate. Your solicitor will appraise you on the various issues.
I purchased a 1 bedroom flat in Chandlers Ford, conveyancing formalities finalised in 2001. How much will my lease extension cost? Equivalent flats in Chandlers Ford with an extended lease are worth £171,000. The ground rent is £50 yearly. The lease comes to an end on 21st October 2103
With just 79 years remaining on your lease we estimate the price of your lease extension to range between £8,600 and £9,800 as well as legals.
The suggested premium range above a general guide to costs for extending a lease, but we cannot give you the actual costs without more detailed due diligence. Do not use the figures in tribunal or court proceedings. There may be additional concerns that need to be taken into account and clearly you want to be as accurate as possible in your negotiations. You should not move forward based on this information without first seeking the advice of a professional.