I am need of leasehold conveyancing for an apartment in a relatively new development (6 years old) in Hanworth. Almost all the flats are already occupied. Do I need carry out the neighbourhood searches for my conveyancing in Hanworth?
You are opening yourself up to an unnecessary risk in refusing to carrying out Hanworth conveyancing searches. Without searches you have no clarity over flooding, environmental etc which may mean you walk away due to potential problems down the line. If you are buying mortgage free there is no legal requirement to have them, but we would absolutely advise in the strongest possible terms that you have them. If accelerating the process and price are primary concerns you should discuss with your conveyancer about the option of search insurance
We intend to purchase a newbuild flat in Hanworth with a homeloan from Godiva Mortgages Ltd.We have a Hanworth conveyancing practitioner but Godiva Mortgages Ltd informed us her practice is not on their approved list of firms. we are left little option but to use a Godiva Mortgages Ltd panel solicitor or retain our high street solicitor and pay for a Godiva Mortgages Ltd panel lawyer to represent them. We feel as though this is unjust; Can we not simply insist that Godiva Mortgages Ltd use our lawyer?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that conveyancers will be on the Godiva Mortgages Ltd approved list. Until recently, most mortgage companies had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your solicitors to apply to be on the conveyancing panel for Godiva Mortgages Ltd
I am planning to move house in June. Does my conveyancing solicitor call the removal company on the completion day. Incidentally, can you put forward a removal company in Hanworth. Conveyancing lawyer was chosen before I stumbled across your page.
On the day of completion you will need to collect the house keys from the estate agent however this can only occur after the vendors conveyancers advise the agent that the monies to complete are in and the keys can be released. You can inform the removal men that you are ready to move in. We are not in a position to recommend a particular removal organisation but can assist you in choosing a conveyancing in Hanworth or a lawyer that specialises in conveyancing in Hanworth.
My wife and I are spending time viewing houses in Hanworth and I am about to put in an offer. Is it premature to have a solicitor in place? I intend to finance via a home loan with Bank of Ireland.
You should start requesting conveyancing estimates from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on to the EA. As you are taking out a mortgage with Bank of Ireland, make sure you remember to check that your lawyer is on the Bank of Ireland conveyancing panel.
I have a mortgage with TSB for my property in Hanworth. Conveyancing has been completed 12 months ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform TSB?
Your original mortgage agreement with TSB will provide that you need their approval in advance of letting out your property as this is likely to be a breach of TSB’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact TSB directly. It should not be necessary to do this via a TSB conveyancing panel lawyer.
I have todaybeen informed that Wolstenholmes have been shut down. They conducted my conveyancing in Hanworth for a purchase of a leasehold apartment 9 months ago. How can I be sure that the property is not still registered in the name of the former proprietor?
The quickest way to check if the premises is in your name, you can carry out 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 Hanworth conveyancing specialists.
I opted to have a survey carried out on a property in Hanworth prior to appointing solicitors. I have been told that there is a flying freehold overhang to the house. My surveyor has said that some mortgage companies may refuse to grant a mortgage on such a house.
It depends who your proposed lender is. Santander has different requirements for example to Nationwide. If you e-mail us we can investigate further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Hanworth. Conveyancing will be smoother if you use a solicitor in Hanworth especially if they are acquainted with such properties in Hanworth.
Given that I am about to spend £400,000 on 3 bedroom house in Hanworth I wish to have a conversation with the conveyancer about myhome move prior to appointing the firm. Is this something that you can arrange?
This is something that we recommend - it is our preference to talk to you we do not take any clients on without you speaking to the conveyancer due to be carrying out your conveyancing in Hanworth.There is no ‘factory style conveyancing’ - each client is unique individual, not a case reference. The law firms that we put you in touch with believe that the figure you are provided with for your conveyancing in Hanworth should be the amount on the final invoice that you are charged.