Completed the sale of my flat in Frenchay last August but our buyer keeps e-mailing me to moan that their conveyancer needs to hear from mine. What should my lawyer have done now that I have sold?
Post completion of your sale your conveyancer should deliver the transfer documentation and all supplemental paperwork to the buyer’s solicitors. Depending on the transaction, your solicitor should also confirm that the mortgage has been paid off to the buyers lawyers. There is unlikely to be post completion formalities just for conveyancing in Frenchay.
Is it necessary during the course of the conveyancing process to visit the offices of the solicitor to execute the mortgage deed? If so, I will instruct a firm who offer conveyancing in Frenchay so that I can attend their offices if required.
Whereas this was necessary 12 years ago, the vast majority mortgage companies no longer oblige their conveyancing panel lawyer to witness the borrowers signature. It will still be necessary for you to hand over ID documents and there are still distinct benefits to choosing a locally based ayer, in your case a conveyancing solicitor in Frenchay.
We are aiming to move house in April. Does my conveyancing solicitor update the removal company on the day of completion. Incidentally, can you put forward a removal company in Frenchay. Conveyancing solicitor was chosen prior to coming across this website.
On the day of completion you will need to pick up the keys from your estate agent however this can only take place when the sellers lawyers inform the agent that they acknowledge receipt of the completion payment and the keys can be passed over. After that you should tell the removal company that you are ready to move in. We do not suggest a specific removal company but can help you find a conveyancing in Frenchay or a lawyer with expertise in conveyancing in Frenchay.
I am due to exchange contracts on my house. I had a double glazing fitted in April 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Kent Reliance are being a right pain. The Frenchay solicitor who is on the Kent Reliance conveyancing panel is recommending indemnity insurance as a solution but Kent Reliance are insisting on a building regulation certificate. Why do Kent Reliance have a conveyancing panel if they don't accept advice from them?
It is probably the case that Kent Reliance have referred the matter to their valuer. The reason why Kent Reliance may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
HSBC have agreed my mortgage in principle, my bid on a apartment in Frenchay has been agreed to, now what?
The estate agent will wish to be advised as to your solicitor's details (ensure that the solicitors are on the lender’s panel). Contact HSBC or the broker and complete any relevant paperwork. HSBC will instruct a valuer who will get in touch with the estate agent or seller to arrange an appointment. Once conducted (assuming no problems) it takes on average a week for the mortgage offer to be issued. HSBC will issue the offer to you and your conveyancing practitioners. The transaction will then take it’s course according the nature and complexity of the conveyancing in Frenchay.
I know that there are debates on Chancel Insurance on online forums. Do I need chancel insurance when purchasing a house in Frenchay? or Apparently there is historic law that could mean that owners of property residing in a parish church boundary will be compelled to contribute towards repairs to the chancel within the church. Is this appropriate for conveyancing in Frenchay?
Unless a prior acquisition of the premises completed after 12 October 2013 you could assume that conveyancing practitioners handling conveyancing in Frenchay to remain encouraging a chancel search and or chancel repair liability insurance.
Over the last few months I have been searching for a flat up to £195,000 and identified one round the corner in Frenchay I like with open areas and railway links in the vicinity, the downside is that it only has 52 years unexpired on the lease. I can't really find anything else in Frenchay in this price bracket, so just wondered if I would be making a grave error buying a short lease?
If you need a home loan the shortness of the lease will be an issue. Reduce the offer by the anticipated lease extension will cost if it has not already been discounted. If the current proprietor has owned the property for a minimum of 2 years you could ask them to commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the current lease with a zero ground rent applied. You should consult your conveyancing lawyer regarding this.
Much to my surprise my conveyancer in Frenchay is asking me for ID documents saying that this forms part of his retainer as a conveyancer on the mortgage company Solicitor panel. Can you confirm whether this is the case?
Anti-terror and anti-money-laundering rules require Frenchay conveyancing solicitors and licensed conveyancers to verify the identity of the person or body they are dealing with before they can accept their conveyancing business. The Terms and Conditions that you need to sign will no doubt confirm this. Your lawyer is right that the lender also require certain documents to be viewed. If a you refuse to provide ID verification documents, your conveyancer would not be able to accept instructions from you. Your lawyer also has obligations to obtain certain documents in accordance with the lender's UK Finance Lenders’ Handbook requirements