Having sold my house in Congleton last December but the buyer keeps telephoning daily to moan that their lawyer is waiting to hear from mine. What should have happened following completion?
After completion of your sale your lawyer is obliged to deliver the transfer deeds and all additional paperwork to the purchaser's solicitors. If applicable, your solicitor must also send confirmation that the home loan has been discharged to the buyers conveyancers. There are no post completion formalities peculiar conveyancing in Congleton.
I happen to be the sole recipient of my late father’s will with all property in now in my sole name, including the my former home in Congleton. The Congleton property was put into my name in August. I now wish to sell up. I understand that there is a Mortgage Lenders six month 'rule', meaning my property ownership will be considered the same way as though I had purchased the property in August. Will no one buy the property for half a year?
The CML handbook obliges solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you may be impacted by that. Most lenders would take a sensible view as this clause primarily exists to identify subsales or the flipping of property.
I have decided to exercise my right to buy my property in Congleton off the council. I have a mortgage offer with Clydesdale. 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 Clydesdale, you will need to appoint a solicitor on the Clydesdale conveyancing panel.
Aldermore have agreed my home loan in principle, my offer on a apartment in Congleton has been agreed to, what are the next steps?
The estate agent will wish to be advised as to your conveyancer's details (ensure that the lawyers are on the bank’s panel). Telephone Aldermore or the financial adviser and finish off any outstanding documentation. Aldermore will appoint a valuer who will get in contact with the selling agent or vendor to book a slot for the valuation to take place. Once carried out (assuming no problems) it takes on average a fortnight to receive the mortgage offer. Aldermore will issue the offer to you and your lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Congleton.
Various internet forums that I have come across warn that are a common cause of obstruction in Congleton house deals. Is that correct?
The Council of Property Search Organisations (CoPSO) has noted the conclusions of research by MoveWithUs that conveyancing searches do not feature within the most frequent causes of delays during the legal transfer of property. Searches are not likely to feature in any holding up conveyancing in Congleton.
How does conveyancing in Congleton differ for new build properties?
Most buyers of new build premises in Congleton contact us having been asked by the housebuilder to exchange contracts and commit to the purchase even before the premises is finished. This is because new home sellers in Congleton usually acquire the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Congleton or who has acted in the same development.
I need to find a conveyancing solicitor for sale conveyancing in Congleton. I happened to chance upon a web site which appears to be the ideal offering If there is a chance to get all the legals completed via email that would be preferable. Should I be concerned? What should out be looking out for?
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 wife and I have recently appointed a conveyancing solicitor in Congleton. I I would like to check if they are on the bank's approved list of lawyers. Can you or the bank confirm if they are on the panel?
One option is to phone your solicitor to enquire if they are on the lender's approved list. If that does not help call us and we can make some checks for you. If they are not on the conveyancing panel we we can help find a specialist conveyancing solicitor in Congleton on the panel for your lender.