Due to move into my new home in Grove next Tuesday. My solicitor now wants me to supply her with evidence of content and building insurance for the property as as she informs me that she is duty bound to validate that it is in order for the mortgage company. What risks does the bank expect the insurance to cover?
All property lawyers on acting for lenders 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 Part 2 instructions. These requirements are not limited to conveyancing in Grove.
Are the Grove conveyancing solicitors identified as being on the Nationwide conveyancing panel, together with their details provided by Nationwide?
Grove conveyancing firms themselves provide us confirmation that they are on the Nationwide conveyancing panel as opposed to being supplied with a list from Nationwide directly.
Have just purchased a repossessed house at auction in Grove. Conveyancing is necessary. What is next?
Now that you have legally committed yourself to purchase you will need to find a conveyancing lawyer soon as you are facing a fast approaching a drop dead date to complete the conveyancing. Every auction property will have a bespoke legal set of papers. This will likely include evidence of title and search results. If you have purchased leasehold premises the legal papers may contain a copy of the lease, management information and a sellers leasehold information form and other conveyancing documentation pertinent to leasehold premises. You should hand this to your appointed conveyancing solicitor ASAP. Do make sure that you have funds in place to complete on the date specified in the contract.
I am purchasing a 3 bedroom semi in Grove. Our aim is to carry out a loft conversion at the property.Will legal investigations on the property include enquiries to ascertain if these alterations are prohibited?
Your conveyancer should check the deeds as conveyancing in Grove will occasionally reveal restrictions in the title deeds which prohibit certain changes or necessitated the permission of a 3rd party. Many additions need local authority planning permissions and approval under the building regulations. Some locations are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. You should check these things with a surveyor prior to committing yourself to a purchase.
Are all Grove Conveyancing Quality Solicitors on the Kent Reliance conveyancing list of approved solicitors?
A selection of lenders now use the accreditation scheme as the kick off point for Panel membership such as HSBC and Santander. The Law Society’s CQS accreditation however is no guarantee to lender panel acceptance. Nevertheless,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for firms wishing to join their panels.
Given that I am about to part with 450k on a property in Grove I wish to have a conversation with the conveyancer concerning thehouse move in advance of giving the go ahead to the firm. Is this something that you can arrange?
We could not agree more - it is our preference to talk to you we do not take any clients on without you liaising with the solicitor who will be carrying out your conveyancing in Grove.There is no ‘factory style conveyancing’ - each client is an important person, not a case reference. The practices that we put you in touch with believe that the figure you are provided with for your conveyancing in Grove should be the figure that you are charged.
What advice can you give us when it comes to choosing a Grove conveyancing firm to deal with our lease extension?
When appointing a property lawyer for lease extension works (regardless if they are a Grove conveyancing practice) it is imperative that he or she should be familiar with the legislation and specialises in this area of work. We suggest that you make enquires with several firms including non Grove conveyancing practices before you instructing a firm. Where the conveyancing practice is ALEP accredited then that’s a bonus. The following questions might be useful:
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What are the charges for lease extension work?
Grove Leasehold Conveyancing - Examples of Queries Prior to Purchasing
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The answer will be important as a) areas may cause problems in the building as the communal areas may begin to deteriorate where services are not paid for b) if the leasehold owners have a dispute with the running of the building you will wish to have full disclosure Are there any major works in the near future that will increase the maintenance fees? Who takes responsibility for maintaining and repairing the block?
The conveyancing solicitors undertaking our conveyancing in Grove has sent documents to review that state the land is unregistered with epitome documents. How can it be that the property not registred at HM Land Regsitry?
Although most properties in Grove are now registered with HMLR there are still a few that remain unregistered. Any property in Grove that has been transferred since the late 1980’s will have been registered at the HM Land Registry under the compulsory ‘first registration’ scheme. However, if a Grove property has not changed hands in that time then it’s likely the old fashioned title deeds will be the only evidence of ownership.Plenty of Grove conveyancing solicitors will be capable of dealing with such matters but where uncertainty prevails the prevailing guidance these days appears to be for the seller’s conveyancer to deal with the registration formalities first and then sell - this can though naturally result in a significant delay.