I am assisting my aunt sell her flat in Gower. Does the conveyancing solicitor order an energy assessment or do I organise this?
After the abolition of HIPs, energy performance certificates remained a mandatory part of moving property. An EPC must be to hand before the property is advertised. This is not something that solicitors normally arrange. Where you are instructing a Gower conveyancing solicitor they may be willing to arrange EPC’s given their relationships with long established Gower providers
When it comes to mortgage companies such as Bank of Ireland, do Gower solicitors face a yearly amount to be on the list of approved solicitors?
We are unaware of any bank fees to be on their list of approved firms, although some do charge an administration charge to deal with the processing of the conveyancing panel submission.
Completion of my remortgage has taken place for my property in Gower. Conveyancing was a necessary evil but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?
Most lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
Is it necessary to take out insurance to cover chancel repairs when acquiring a house in Gower?
Unless a previous acquisition of the house took place after 12 October 2013 you may expect solicitors conducting conveyancing in Gower to continue to advocate a chancel search and or insurance against a claim.
Despite weeks of looking the Title Certificate and documents to my property can not be found. The lawyers who did the conveyancing in Gower 4 years ago no longer exist. Will I be able to sell the house?
As long as the title is registered the information relating to your ownership will be documented by the Land Registry with a Title Number. It is easy to execute a search at the Land Registry, identify your house and order up to date copies of the Registered Entries for less than a fiver. Where the title is Leasehold then the Land Registry will in most cases hold a file copy of the Registered Lease and again, a copy can be obtained for twenty pounds.
Yesterday I discovered that there is a flying freehold element on a property I have offered on a fortnight ago in what was supposed to be a quick, no chain conveyancing. Gower is the location of the property. What do you suggest?
Flying freeholds in Gower are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Gower you would need to get your solicitor to go through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Gower may ascertain 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 property.
Is it possible to transfer to a new solicitor as I need to instruct one who is on the Alliance & Leicester conveyancing list. I instructed a local conveyancing solicitor in Gower round the corner but he is not approved by Alliance & Leicester
It would be our pleasure to help you select a conveyancing solicitor in Gower on the Alliance & Leicester panel. Please note that the solicitors that we on the directory do not pay us a referral fee if you instruct them and are regulated by the SRA who oversee all conveyancing solicitors in Gower. Using search facility on this site, you can contrast costs for conveyancing solicitors in Gower and beyond.
In relation to leasehold conveyancing in Gower what are the most common lease defects?
There is nothing unique about leasehold conveyancing in Gower. All leases are individual and drafting errors can sometimes mean that certain provisions are wrong. For example, if your lease is missing any of the following, it could be defective:
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Maintenance charge proportions which don’t add up to the correct percentage
A defective lease will likely cause issues when trying to sell a property as they can affect a potential buyer’s ability to obtain a mortgage. Birmingham Midshires, Skipton Building Society, and Barclays Direct all have express requirements when it comes to what is expected in a lease. If a mortgage lender believes that the lease is problematic they may refuse to provide security, forcing the purchaser to pull out.
Leasehold Conveyancing in Gower - A selection of Questions you should consider before buying
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Many Gower leasehold properties will incur a service bill for maintenance of the building levied by the management company. Where you buy the property you will have to meet this amount, normally in instalments throughout the year. This could differ from a couple of hundred pounds to thousands of pounds for blocks with lifts and large communal grounds. There will also be a rentcharge for you to pay annual, ordinarily this is not a exorbitant amount, say approximately £50-£100 but you need to enquire it because sometimes it could be surprisingly expensive. This information is important as a) areas may cause problems in the block as the communal areas may begin to deteriorate where maintenance are not paid for b) if the leaseholders have a dispute with the managing agents you will need to have all the details Best to be warned whether window replacement or some other significant cost is coming up to be shared amongst the tenants and may well materially increase the the maintenance charges or necessitate a specific payment.