I had a mortgage agreed in principle with Coventry BS. Hampton conveyancing lawyers have been chosen. What is the average time that one could expect to receive a mortgage offer from Coventry BS?
Some lenders take longer than others. Have Coventry BS conducted the valuation? Have you advised Coventry BS as to your lawyers' details and checked that your lawyers are on the Coventry BS conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
I have today made my last payment due on my mortgage with Kent Reliance. I assume I don't need a Hampton property lawyer on the Kent Reliance panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Kent Reliance 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 Kent Reliance mortgage from the register. Kent Reliance, 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 Kent Reliance has sent the Land Registry the discharge electronically, and
- Kent Reliance has instructed the Land Registry to do so
The formalities of my remortgage has taken place for my property in Hampton. Conveyancing was a necessary evil but I would like to complain about the lender. How do I make a complaint?
Almost all lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. Ordinarily complaints to a lender are resolved effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
I'm buying a new build house in Hampton with the aid of help to buy. The builders would not budge the amount so I negotiated five thousand pounds worth of extras instead. The estate agent suggested that I not to tell my solicitor about the side-deal as it may affect my loan with Nottingham Building Society. Is this normal?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
How easy is it to use the search app to choose a conveyancing lawyer in Hampton on the panel for my bank?
Step one is to choose a lender such as Barclays , Barnsley Building Society or Britannia then choose your location e.g. Hampton. Conveyancing firms in Hampton and further afield should be shown.
In my capacity as executor for the will of my aunt I am disposing of a property in Newport but reside in Hampton. My conveyancer (approximately 250 kilometers awayneeds me to execute a statutory declaration before the transaction finalising. Can you recommend a conveyancing practitioner in Hampton who can witness and place their company stamp on the document?
Technically speaking you are unlikely to need to have the documents witnessed by a conveyancing solicitor. Normally any notary public or qualified solicitor will do regardless of whether they are located in Hampton
What are your top tips when it comes to finding a Hampton conveyancing firm to deal with our lease extension?
If you are instructing a property lawyer for your lease extension (regardless if they are a Hampton conveyancing practice) it is essential that he or she should be familiar with the legislation and specialises in this area of work. We advise that you make enquires with two or three firms including non Hampton conveyancing practices before you instructing a firm. If the firm is ALEP accredited then so much the better. The following questions might be of use:
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If the firm is not ALEP accredited then why not?
We have reached the end of our tether in trying to purchase the freehold in Hampton. Can this matter be resolved via the Leasehold Valuation Tribunal?
in cases where there is a missing freeholder or if there is dispute about what the lease extension should cost, under the relevant legislation you can apply to the First-tier Tribunal (Property Chamber) to arrive at the amount due.
An example of a Lease Extension case for a Hampton residence is 147 Redford Close in June 2012. The Tribunal determined the lease extension premium to be at £4,200 This case was in relation to 1 flat. The remaining number of years on the lease was 82.93 years.
How does one as executor remove a deceased person's name from the title deeds for a house in Hampton?
If a Hampton property is jointly owned and one of the proprietors passes away, their name will not automatically be removed from the Land Registry title. You are not required to amend the title as in the event of a sale your lawyer would simply need to supply proof as to the reason the joint owner is not a party to the conveyance, typically this is in the form of a grant of probate.
With the aim of making things simpler for the sale of the property you may apply to have the deceased name removed from the title by applying to HM Land Registry with evidence of the death. There is no charge from the Registry for this service.