Due to move into my new home in Forest Gate next Friday. I have now been asked to send a copy of my building insurance schedule by my solicitor as he says that he has to check this in his capacity as lawyer for the bank. What does the insurance need to cover?
All property lawyers on acting for banks would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in a lender’s UK Finance Lenders’ Handbook instructions. These obligations are not specific to conveyancing in Forest Gate.
My Conveyancer in Forest Gate is not listed on the Clydesdale Approved Panel. Can I still use my family solicitor notwithstanding that they are excluded from the Clydesdale approved list?
The limited options open to you here include:
- Complete the purchase with your existing Forest Gate solicitors but Clydesdale will need to instruct a lawyer on their list of acceptable firms. This will inevitably rack up the overall legal charges and cause delays.
- Choose an alternative solicitor to act in the purchase, remembering to check they are Clydesdale approved.
- Persuade your Clydesdale solicitor to seek to join the Clydesdale panel
My aunt pointed out to me me that in buying a property in Forest Gate there could be a number of restrictions affecting the ability to carry out external changes to the property. Is this right?
We are aware of anumerous of properties in Forest Gate which have some sort of restriction or requirement of consent to carry out external alterations. Part of the conveyancing in Forest Gate should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
We are planning to move property in January. Does my conveyancing solicitor liaise with the removal company on the day of completion. Incidentally, can you recommend a removal company in Forest Gate. Conveyancing lawyer was found before I stumbled across your page.
On the day of completion you will need to collect the house keys from your estate agent but this can only be done when the previous owners conveyancers confirm to the agent that the monies to complete are in and the keys can be released. Subsequently you can tell the removal company that you are ready to move in. We do not recommend a specific removal company but can assist you in locating a conveyancing in Forest Gate or a firm that specialises in conveyancing in Forest Gate.
I have today made my last payment due on my mortgage with Barclays. I assume I don't need a Forest Gate lawyer on the Barclays panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Barclays mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Barclays mortgage from the register. Barclays, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Barclays has sent the Land Registry the discharge electronically, and
- Barclays has instructed the Land Registry to do so
Are there restrictive covenants that are commonly identified during conveyancing in Forest Gate?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Forest Gate. 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…’
Due to the guidance of my in-laws I had a survey completed on a house in Forest Gate before retaining lawyers. I have been advised that there is a flying freehold overhang to the property. My surveyor has said that some lenders will refuse to give a loan on such a home.
It depends who your proposed lender is. Bank of Scotland has different instructions from Halifax. Should you wish to telephone us we can look into this further via the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Forest Gate. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Forest Gate to see if the conveyancing costs will increase in light of this.
We are a couple of weeks into a leasehold purchase having been referred to conveyancers by the estate agent to handle our conveyancing in Forest Gate. We are not happy. Can you help me find new conveyancers?
A solicitor would have to be very poor to suggest replacing them. Has your mortgage offer been sent? In the event that it has you will need to advise them of the new contact details and have the mortgage documents are re-sent. Your new conveyancer needs to be on the banks approved list to avoid supplemental charges and frustration. That should be your starting point. The find a solicitor tool will assist you in finding a lender approved solicitor for your conveyancing in Forest Gate