Do the conveyancing solicitors listed on your site conduct conveyancing in Enfield by way of an attended exchange?
There are a few conveyancing experts carrying out attended exchanges. Please e-mail us to receive a fee calculation and details as to dates.
My aunt passed away six months ago and as sole heir and executor I was left the house in Enfield. The house had a relatively small loan remaining of approximately £8000. I want to have the title changed into my name whilst I re-mortgage to Leeds Building Society, pay off the mortgage. Is this possible?
If you intend to re-mortgage then Leeds Building Society will insist on your using a conveyancer on the Leeds Building Society 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 Leeds Building Society 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 Leeds Building Society mortgage is registered as a charge at the Land Registry.
Should my solicitor be making enquiries regarding flooding during the conveyancing in Enfield.
Flooding is a growing risk for solicitors dealing with homes in Enfield. Some people will buy a house in Enfield, completely aware that at some time, it may be flooded. However, aside from the physical destruction, where a property is at risk of flooding, it may be difficult to get a mortgage, suitable building insurance, or dispose of the property. There are steps that can be taken during the course of a property purchase to forewarn the buyer.
Conveyancers are not best placed to offer advice on flood risk, but there are a various searches that may be initiated by the buyer or by their conveyancers which will give them a better understanding of the risks in Enfield. The conventional set of information sent to a purchaser’s solicitor (where the solicitors are adopting what is known as the Conveyancing Protocol) incorporates a standard inquiry of the vendor to discover if the property has historically flooded. If the premises has been flooded in past and is not notified by the vendor, then a purchaser could issue a legal claim for losses resulting from an incorrect reply. A buyer’s solicitors will also commission an environmental search. This will indicate whether there is any known flood risk. If so, more detailed investigations should be initiated.
Are there restrictive covenants that are commonly picked up as part of conveyancing in Enfield?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Enfield. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
My step-father has recommend that I use his lawyers for conveyancing in Enfield. Should I use them?
Much as we are happy to recommend a Enfield conveyancing lawyer the ideal way to choose a conveyancing lawyer is to seek recommendations from friends or family who have used the solicitor that you are are thinking of instructing.
The financial adviser has recommended their conveyancer for our conveyancing in Enfield - won’t it be advisable to just instruct them?
This is not necessarily the case and you are at liberty to opt for whichever lawyer you decide for your Enfield home move. A conveyancer suggested by a 3rd party adviser may not necessarily be the best conveyancing practitioner, they may put forward their own conveyancing firm who are based remotely. In this instance you may not have contact with your property lawyer and due to the lack of continuity in the transaction, it may be difficult to obtain progress reports.