My grandfather passed away six months ago and as sole heir and executor I was left the property in Creigiau. The house had a small mortgage remaining of approximately £8000. I want to have the title changed into my name whilst I re-mortgage to Aldermore, pay off the mortgage. Is this possible?
If you plan to refinance then Aldermore will insist on your using a conveyancer on the Aldermore conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Aldermore conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Aldermore mortgage is registered as a charge at the Land Registry.
I require fast conveyancing in Creigiau as I have pressure to sign on the dotted line in less than one month. A home loan is not required. Is it possible to decline from having conveyancing searches to save fees and time?
As you are are a cash purchaser you are at free not to have searches conducted although no conveyancer would recommend that you don't. Drawing on our experience of conveyancing in Creigiau the following are examples of issues that can appear and adversely affect future mortgageability: Enforcement Actions, Overdue Charges, Overdue Grants, Road Schemes,...
I bought my flat on 1 April and my personal details is not yet on the land registry website. Any reason for this? My conveyancing solicitor in Creigiau said it should be concluded inside ten days. Are transfers in Creigiau particularly slow to register?
There is nothing unique about conveyancing in Creigiau registration formalities. Rather than based on location, timescales can vary according to who lodges the application, whether there are errors and if the Land registry need to notify any interested persons or bodies. At present roughly three quarters of submission are completed within two weeks but some can be subject to protracted delays. Registration occurs after the new owner is living at the property so registration formalities is not usually top priority but if there is a degree of urgency associated with the registration then you or your conveyancer should communicate with the Registry to express the reasoning for an expedited registration.
Yesterday I discovered that there is a flying freehold element on a house I have offered on a fortnight ago in what was supposed to be a straight forward, chain free conveyancing. Creigiau is where the house is located. What do you suggest?
Flying freeholds in Creigiau are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Creigiau you must be sure that your lawyer goes through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Creigiau may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
I am looking into buying my first house which is in Creigiau and I am already nervous. I couldn't find anything specific about Creigiau. Conveyancing will be needed in due course but do you know about the Creigiau area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Creigiau. In the meantime here are some basic statistics that we found
My mother and father are unable to locate their Creigiau land registry title on the site. They recall that back in the 70’s when they bought the house there were complications with the post code not being recognised in some systems.
The vast majority of premises in Creigiau should appear. Have you endevoured to search to simply the postcode. Normally it will disclose all the premises within the postcode. Assuming the property is recorded it will show up with a title number. If they bought 48 years ago it's conceivable it may be not yet registered. The property might still be revealed but with the title number identified as 'na'. In this scenario you will need to locate the original title deeds which might be with your parent’s mortgage company.