We are about to exchange contracts for a freehold house in Halkyn. We have hit a stumbling block. The mortgage offer with Skipton Building Society runs out on 15/6/2021 but the owners are insisting on a completion date of 17/6/2021. Can one extend the mortgage offer?
The best person to address this question is your conveyancer who will determine if they better off negotiating with the mortgage broker, seller’s solicitors, estate agents or possibly all three taking into account the circumstances your house move as of today.
We are planning to purchase with Melton Mowbray Building Society. We have called around locally yet cant to find a Halkyn conveyancing firm on the Melton Mowbray Building Society approved list. Please you assist?
Feel free to take advantage of the search tool on this web page. Pick the lender and type Halkyn or your location and you will discover a number of lawyer located in Halkyn or nearest you.
I am buying a 3 bedroom semi in Halkyn. We would like to carry out a loft conversion at the property.Will the conveyancing process involve enquiries to ascertain if these works are allowed?
Your solicitor will review the deeds as conveyancing in Halkyn will on occasion identify restrictions in the title documents which prohibit categories of alterations or require the permission of another owner. Certain additions call for local authority planning permissions and approval in compliance with building regulations. Certain areas are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. It would be prudent to check these things with a surveyor before you commit yourself to a purchase.
We have agreed to purchase a house in Halkyn. A rare aspect is that the roof has a solar panel. Skipton have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that your lender is Skipton your lawyer must check the formal requirements contained in Section 2 of UK Finance Lenders’ Handbook for Skipton. The CML Handbook contains minimum specifications for solar panel roof-space leases, and property lawyers are required to report to Skipton where a lease does not meet these requirements. The conditions relate to the installation of panels on properties countrywide and is not isolated to Halkyn.
I recently had an offer agreed on a house in Halkyn. My financial adviser recommended their conveyancers. I paid an on account payment of £150. A couple of days later, the lawyer contacted me embarrassingly acknowledging that they were not on the HSBC conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the HSBC panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
My partner and I are downsizing from our home in Halkyn and according to the buyers it appears that there is a possibility that the property was built on contaminated land. Any local lawyer would know that there is no such problem. For the life of me I don't know why the buyers instructed a national conveyancing outfit rather than a conveyancing solicitor in Halkyn. Having lived in Halkyn for 5 years we know that this is a non issue. Do we get in touch with our local Authority to seek clarification that the buyers are looking for.
It would appear that you have a conveyancing lawyer currently acting for you. Are they able to advise? You must check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same sickness)
I have justdiscovered that Stirling Law have been shut down. They conducted my conveyancing in Halkyn for a purchase of a freehold house 9 months ago. How can I check that the property is not still registered in the name of the previous owner?
The easiest way to see if the property is registered to you, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Halkyn conveyancing specialists.
I’m about to sell my basement apartment in Halkyn. Conveyancing solicitors are to be appointed soon, but I have recently received a quarterly service charge invoice – should I leave it to the buyer to sort out?
Your conveyancing lawyer is likely to suggest that you should discharge the invoice as normal because all rents and service invoices should be allotted as part of the financial calculations for completion monies, so you should recover the relevant percentage by the purchaser for the period running from after the completion date to the next payment date. Most management companies will not acknowledge the buyer unless the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. Having a clear account will assist your cause and will leave you no worse off financially.
I inherited a 1st floor flat in Halkyn, conveyancing was carried out in 2007. How much will my lease extension cost? Similar properties in Halkyn with an extended lease are worth £255,000. The ground rent is £45 charged once a year. The lease ceases on 21st October 2094
With 73 years unexpired we estimate the price of your lease extension to be between £8,600 and £9,800 as well as professional fees.
The suggested premium range that we have given is a general guide to costs for extending a lease, but we are not able to provide a more accurate figure in the absence of comprehensive due diligence. You should not use the figures in a Notice of Claim or as an informal offer. There may be additional concerns that need to be taken into account and clearly you should be as accurate as possible in your negotiations. You should not move forward based on this information before seeking the advice of a professional.