Completion of my remortgage has taken place for my property in Crawley. Conveyancing was a necessary evil but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?
Most banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Department at head office. We understand that complaints to a lender are resolved very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
I can not fathom if my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called my Crawley bank branch on a couple of occasions and was told they are content with the situation and they would lend. My Crawley conveyancing solicitor - who is on the mortgage company conveyancing panel- called and was told they refuse to lend based on their specific requirements. Who do I believe?
The conveyancing practitioner has to follow the Council of Mortgage Lenders’ Handbook Part 2 provisions for your bank. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
I recently had an offer accepted on a house in Crawley. My financial adviser recommended their conveyancers. I paid an advanced payment of £225. A couple of days later, the solicitor called me sheepishly admitting that they were not on the Barclays 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 Barclays 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.
I need some quick conveyancing in Crawley as I am faced with a deadline to sign on the dotted line within 2 weeks. Fortunately I do not need a mortgage. Is it possible to escape the need for conveyancing searches to save money and time?
As you are are a mortgage free purchaser you have the choice not to have searches conducted although no lawyer would advise that you don't. Drawing on our experience of conveyancing in Crawley the following are examples of issues that can be revealed and therefore impact future mortgageability: Enforcement Actions, Outstanding Fees, Overdue Grants, Unadopted Roads,...
I'm refinancing my primary house to a BTL mortgage with The Royal Bank of Scotland and I will use the ballance of the raised equity as a deposit on another property. The area we are looking at is Crawley. Will your lawyers be able to act for the two banks and tie in the two deals?
Do use our comparison tool on this page to check that the conveyancers are on the appropriate lender panels. On the basis that they are the conveyancer will be able to simultaneously deal with the two deals but you should have a chat with you conveyancer and communicate your expectations and needs.
We're FTB’s - had an offer accepted, but the property agent informed us that the vendor will only go ahead if we appoint their recommended solicitors as they need an ‘expedited deal’. We would rather use a high street solicitor with experience of conveyancing in Crawley
It is improbable the vendors are driving this. If they want ‘a quick sale', alienating a genuine buyer is going to damage their objectives. Bypass the agents and go straight to the owners and make sure they comprehend that (a)you are keen to buy (b)you are ready to go, with mortgage lined up © you do not need to sell (d) you intend to proceed fast (e)however you are going to appoint your own,trusted Crawley conveyancing lawyers - not the ones that will give the estate agent a kickback or hit his conveyancing figures set by HQ.
Frank (my husband) and I may need to let out our Crawley garden flat temporarily due to a career opportunity. We used a Crawley conveyancing firm in 2004 but they have closed and we did not have the foresight to get any advice as to whether the lease permits subletting. How do we find out?
Even though your last Crawley conveyancing lawyer is not around you can check your lease to see if you are permitted to let out the apartment. The rule is that if the deeds are non-specific, subletting is allowed. Quite often there is a prerequisite that you need to obtain consent via your landlord or other appropriate person before subletting. The net result is you not allowed to sublet without prior consent. Such consent should not be unreasonably turned down. If the lease does not allow you to sublet you will need to ask your landlord for their consent.
I inherited a split level flat in Crawley, conveyancing formalities finalised 5 years ago. Can you let me have an estimated range of the fair premium for a lease extension? Comparable flats in Crawley with over 90 years remaining are worth £175,000. The ground rent is £65 invoiced every year. The lease expires on 21st October 2084
With only 58 years left to run the likely cost is going to range between £21,900 and £25,200 as well as costs.
The figure that we have given is a general guide to costs for renewing a lease, but we cannot give you the actual costs in the absence of detailed due diligence. Do not use this information in a Notice of Claim or as an informal offer. There may be additional issues that need to be taken into account and you obviously want to be as accurate as possible in your negotiations. Neither should you move forward based on this information without first seeking the advice of a professional.
The conveyancers handling our conveyancing in Crawley has sent papers to review that show the property is unregistered with epitome documents. Why is the property not registred at the Land Registry?
Whilst most properties in Crawley are now registered with HM Land Registry there are still some that are unregistered. Any property in Crawley that has been transferred since the late 1980’s will have been registered at the Land Registry under the compulsory ‘first registration’ scheme. However, if a Crawley property has not changed hands in that time then it’s likely the old fashioned title deeds will be the only evidence of ownership.Plenty of Crawley conveyancing practitioners should be familiar with such matters but where uncertainty exists the standard guidance these days is for the seller to undertake the registration formalities first and thereafter deal with the dispose of the property to the purchaser - this will have a knock on effect to cause a significant delay.