Having sold my house in Enfield last November yet the purchaser is calling daily to moan that his solicitor needs to hear from mysolicitor. What should have happened now that I have sold?
Post completion of your sale your conveyancer should forward the transfer documentation and all additional paperwork to the purchaser's lawyers. Depending on the transaction, your conveyancer must also send confirmation that the home loan has been discharged to the purchasers conveyancers. There is unlikely to be post completion steps peculiar conveyancing in Enfield.
I am refinancing my house in Enfield, does my lawyer need to be on the TSB Conveyancing panel?
There is nothing to stop you using your solicitor, but TSB will insist on their interests being represented by a firm on their conveyancing panel. There is greater potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.
We are buying a detached bungalow in Enfield. We would like to convert the garage to an office at the house.Will the conveyancing process include enquiries to determine if these works were previously refused?
Your solicitor will review the deeds as conveyancing in Enfield can sometimes reveal restrictions in the title documents which prohibit certain changes or require the consent of a 3rd party. Some extensions need local authority planning permissions and approval in accordance building regulations. Some locations are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. It would be sensible to check these issues with a surveyor ahead of any purchase.
Last month we had a mortgage agreed in principle with Leeds Building Society. Enfield conveyancing practitioners have been selected. How long does it take for Leeds Building Society to forward the offer to the conveyancer?
Some lenders take longer than others. Have Leeds Building Society conducted the valuation? Have you advised Leeds Building Society as to your lawyers' details and checked that your lawyers are on the Leeds Building Society conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I have a mortgage with RBS for my property in Enfield. Conveyancing was finalised months ago. Should I wish to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform RBS?
Your original mortgage agreement with RBS will provide that you need their approval in advance of renting your property as this is likely to be a breach of RBS’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact RBS directly. You need not do this via a RBS conveyancing panel lawyer.
The deeds to our property can not be found. The solicitors who dealt with the conveyancing in Enfield 10 years ago no longer exist. What are my next steps?
In today’s world there are copies made of almost everything, and your solicitor should be aware exactly where to find all the relevant documentation so you may purchase or sell your house without any difficulty. If duplicates can’t be located, your conveyancer can arrange cover in the form of insurance or indemnities protecting you against possible claims on the property.
I've recently found out that there is a flying freehold issue on a house I put an offer in two weeks back in what was supposed to be a simple, chain free conveyancing. Enfield is where the house is located. What do you suggest?
Flying freeholds in Enfield are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Enfield you must be sure that your lawyer goes through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Enfield may determine 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 premises.
As co-executor for the will of my father I am selling a property in Monmouth but reside in Enfield. My conveyancer (who is 260 miles from meneeds me to sign a statutory declaration before the transaction finalising. Could you suggest a conveyancing solicitor in Enfield who can witness and place their company stamp on the document?
Technically speaking you are not likely to need to have the documents witnessed by a conveyancing solicitor. Ordinarily or notary public or qualified solicitor will be fine regardless of whether they are Enfield based