We are looking to buy a house and require a conveyancing solicitor in Hanley who is on the UBS solicitor panel. Can you recommend a local conveyancing firm?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for UBS . We don't recommend any particular firms conducting conveyancing in Hanley.
My grandmother passed away six months ago and as sole heir and executor I was left the property in Hanley. The house had a small mortgage remaining of approximately £8000. I want to have the title changed into my name whilst I re-mortgage to Principality, pay off the mortgage. Is this allowed?
Where you plan to refinance then Principality will require that you use a conveyancer on the Principality conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Principality conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Principality mortgage is registered as a charge at the Land Registry.
My wife and I purchased a renovated Edwardian house in Hanley. Conveyancing lawyer acted for me and National Westminster Bank. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: one for freehold, the second leasehold with the matching address. I thought I was buying a freehold how can I check?
You should assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Hanley and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the situation with the conveyancing lawyer who completed the work.
I decided to have a survey carried out on a property in Hanley before appointing lawyers. I have been advised that there is a flying freehold element to the house. The surveyor advised that some banks may refuse to grant a mortgage on a flying freehold home.
It varies from the lender to lender. Bank of Scotland has different instructions for example to Nationwide. If you e-mail us we can look into this further with the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Hanley. Conveyancing will be smoother if you use a solicitor in Hanley especially if they are acquainted with such properties in Hanley.
Hoping to buy a property located in Hanley and I am already nervous. I couldn't find anything specific about Hanley. Conveyancing will be needed in due course but do you know about the Hanley area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Hanley. In the meantime here are some basic statistics that we found
Last August I purchased a leasehold flat in Hanley. Do I have any liability for service charges relating to a period prior to my ownership?
Where the service charge has already been demanded from the previous owner and they have not paid you would not usually be personally liable for the arrears. Strange as it may seem, your landlord may still be able to take action to forfeit the lease. It is an essential part of leasehold conveyancing for your conveyancer to ensure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.
If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).
Leasehold Conveyancing in Hanley - Sample of Questions you should consider Prior to Purchasing
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Please note if it is fewer than 80 years it will impact the salability of the flat. Check with your bank that they are content with remaining years on the lease. A short lease means that you will almost definitely have to extend the lease sooner rather than later and it is worth discovering what this will be. Remember, in most cases you would be be obliged to have been the owner of the property for two years in order to be legally able to extend the lease. Are any of leasehold owners in arrears of their service charge liability?