I am looking for value for money property lawyer. Should I go for for an online conveyancer as opposed to a local Christchurch conveyancing solicitor?
In the main conveyancing lawyers in your neck of the woods will have excellent relationships with your local authority, which could help with the Christchurch conveyancing searches that your solicitor will inevitably need. It can only help if they have good relationships with the Local Land Registry Office your area Christchurch, other lawyers in the location and Christchurch property agents.
As I am unsure how the conveyancing bit works what is the most important piece of guidance you can impart about purchase conveyancing in Christchurch?
You may not hear this from too many lawyers but conveyancing in Christchurch and elsewhere in Dorset is often a confrontational experience. In other words, when it comes to conveyancing there is an abundance of opportunity for friction between you and other parties involved in the transaction. For example, the seller, selling agent and on occasion a lender. Choosing a lawyer for your conveyancing in Christchurch an important selection as your conveyancer is your adviser, and is the SOLE person in the transaction whose responsibility is to protect your legal interests and to protect you.
Every so often a potential adversary will attempt to convince you that it is in your interests to do things their way. For instance, the property agent may claim to be assisting by claiming that your solicitor is dragging his heels. Or your financial adviser may tell you to do take action that is contrary to your lawyers advice. You should always trust your lawyer above all other parties when it comes to the legal transfer of property.
Do I select a Licenced Conveyancer or Solicitor for conveyancing in Christchurch?
There are many recorded licenced Conveyancers in Christchurch and Solicitor practices in Christchurch who can assist with your conveyancing It is important to make clear that the two are regulated professionals specialising in the legal work in the home buying process. Both can handle associated property related work such as remortgage conveyancing, lease extensions and transfer of equity conveyancing.
I just acquired a house at auction in Christchurch. Conveyancing is required. What is next?
Having exchanged you will need to choose a conveyancing solicitor as a matter of priority as you will have a tight a fixed date to complete the property. An auction property should have a corresponding legal pack. This will include most,if not all of the documents that your solicitor requires. In the case of leasehold premises the auction pack should include a copy of the lease, management information and a sellers leasehold information form and associated conveyancing documentation relating to leasehold premises. You should hand this to the solicitor working for you as soon as possible. You also need to ensure that your finances are organised to complete the transaction on the set completion date.
We are buying a 4 bedroom semi-detached house in Christchurch. Our aim is to carry out a loft conversion at the house.Will the conveyancing process include investigations to ascertain if these alterations are prohibited?
Your conveyancer should check the deeds as conveyancing in Christchurch will occasionally identify restrictions in the title deeds which restrict categories of alterations or require the permission of another owner. Certain works call for local authority planning consent and approval in accordance building regulations. Certain locations are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. It would be wise to check these issues with a surveyor ahead of any purchase.
three months have gone by following my purchase conveyancing in Christchurch completed. I have checked the Land Registry site which shows that I paid £200,000 when infact I paid £160,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the premises from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I decided to have a survey completed on a house in Christchurch in advance of retaining conveyancers. I have been advised that there is a flying freehold element to the house. The surveyor advised that some mortgage companies may refuse to grant a mortgage on a flying freehold house.
It depends who your proposed lender is. HSBC has different requirements from Halifax. Should you wish to telephone us we can investigate further via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Christchurch. Conveyancing will be smoother if you use a solicitor in Christchurch especially if they are accustomed to such properties in Christchurch.
What makes a Christchurch lease unmortgageable?
Leasehold conveyancing in Christchurch is not unique. All leases are individual and drafting errors can result in certain provisions are not included. For example, if your lease is missing any of the following, it could be defective:
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A provision to repair to or maintain parts of the property Service charge per centages that don't add up correctly leaving a shortfall
You may have difficulties when selling your property if you have a defective lease primarily because it impacts on the ability to obtain a mortgage on the property. HSBC Bank, Leeds Building Society, and Bank of Ireland all have express conveyancing instructions when it comes to what is expected in a lease. Where a lender has been advised by their lawyers that the lease is problematic they may refuse to grant the mortgage, obliging the purchaser to pull out.
Leasehold Conveyancing in Christchurch - Examples of Queries Prior to buying
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It would be prudent to find out if there are any onerous restrictions in the lease. By way of example some leases prohibit pets being permitted in certain buildings in Christchurch. If you like the flatin Christchurch but your cat is not allowed to make the move with you then you will be presented with a difficult choice. Best to be warned if fixing the lift or some other significant cost is pending to be shared amongst the leaseholders and may well dramatically impact the level of the maintenance costs or result in a one time payment. How long is the Lease?