I happen to be the sole beneficiary of my late mum's estate and I have everything in my name now, including the house in Cleckheaton. Conveyancing formalities meant that the Land Registry date was in February. I want to move. I do know about the Mortgage Lenders six month 'rule', meaning my property ownership could be considered the same way as though I had purchased the property in February. Do I have to wait half a year to sell?
The Council of Mortgage Lenders’ handbook mandates solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you could be affected by that. many banks would take a sensible view as this requirement primarily exists to capture the purchase and immediately sell or the quick reselling of properties.
When it comes to lenders such as Bank of Ireland, do Cleckheaton lawyers have to pay a yearly amount to be on the list of approved solicitors?
We are not aware of any bank fees to register on their list of approved firms, although some do charge an administration charge to deal with the processing of the conveyancing panel application.
I recently had an offer accepted on an apartment in Cleckheaton. My financial adviser recommended their conveyancers. I paid an upfront payment of £150. Not long after, the property lawyer contacted me embarrassingly acknowledging that they were not on the Coventry BS 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 Coventry BS 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.
The deeds to my home are lost. The lawyers who handled the conveyancing in Cleckheaton 5 years ago are no longer around. Will I be able to sell the house?
These day there are duplicates made of almost everything, and your solicitor will know precisely where to look for all the relevant paperwork so you can buy or dispose of your property without any difficulty. If copies are not available, your lawyer can put in place insurance or indemnities protecting you against future claims on the premises.
I decided to have a survey carried out on a property in Cleckheaton before retaining conveyancers. I have been advised that there is a flying freehold element to the property. Our surveyor advised that some lenders tend refuse to issue a mortgage on a flying freehold property.
It depends who your proposed lender is. HSBC has different requirements for example to Halifax. Should you wish to telephone us we can check with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Cleckheaton. Conveyancing will be smoother if you use a solicitor in Cleckheaton especially if they are acquainted with such properties in Cleckheaton.
I'm converting the mortgage on my existing property to a BTL mortgage with Virgin Money and I will use the ballance of the raised equity as a down payment on a second house. The area we are interested in is Cleckheaton. Will your lawyers be able to act for the two lenders and link together the conveyances?
Do use our search tool on this page to ensure that the conveyancers are on the relevant lender panels. Having checked that they are your solicitor should be able to simultaneously deal with the two conveyancing matters but you should have a chat with you lawyer and communicate your expectations and requirements.
My uncle has suggested that I use his lawyers for conveyancing in Cleckheaton. Do I follow his advice?
There are no two ways about it it’s preferable to choose a conveyancing practitioner is to seek referrals from friends or family who have experience in using the conveyancer that you are are thinking of instructing.
There are only 62 years unexpired on my flat in Cleckheaton. I am keen to extend my lease but my landlord is missing. What options are available to me?
If you qualify, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the County Court for an order to dispense with the service of the initial notice. This will enable the lease to be lengthened by the Court. You will be obliged to prove that you or your lawyers have made all reasonable attempts to track down the lessor. On the whole a specialist may be helpful to conduct investigations and prepare a report which can be used as evidence that the freeholder is indeed missing. It is wise to seek advice from a property lawyer both on investigating the landlord’s absence and the vesting order request to the County Court covering Cleckheaton.
Cleckheaton Conveyancing for Leasehold Flats - Examples of Queries Prior to Purchasing
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Who is in charge of the block? Does the lease have in excess of 80 years unexpired? Make sure you enquire if there are any onerous prohibitions in the lease. For example some leases prohibit pets being permitted in certain buildings in Cleckheaton. If you love the apartmentin Cleckheaton but your dog can’t move with you then you will be faced difficult decision.