Having sold my house in Haringey last October but our buyer keeps e-mailing me complaining that her conveyancer needs to hear from mysolicitor. What are the post completion sale legalities now that I have sold?
Following your disposal your lawyer is duty bound to deliver the transfer documentation and all supplemental paperwork to the purchaser's conveyancer. If applicable, your solicitor must also confirm that the legal charge in favour of the lender has been repaid to the buyers solicitors. There are no post completion formalities peculiar conveyancing in Haringey.
Are all Haringey Conveyancing Quality Solicitors on the Kent Reliance conveyancing panel?
Some major lenders now make use of 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. That being said,the CML have indicated that it is likely to become a pre-requisite for firms wishing to remain on their panels.
It is unclear whether my bank requires a lease extension. I have called into my local Haringey building society branch on a couple of occasions and was advised it wasn't a problem and they would lend. My Haringey conveyancing solicitor - who is on the bank conveyancing panel- telephoned and was told they will not lend based on their UK Finance Lenders’ Handbook minimum lease term requirements. Who do I believe?
Provided that the lawyer is on the bank panel, they must follow the Council of Mortgage Lenders’ Handbook specifications for the bank. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
My offer on a detached house in Haringey has been accepted, but there is a chain. The owners have placed an offer on a flat, however it’s not yet agreed to, and are looking at other properties in the pipeline. I have instructed a nearby conveyancing solicitor in Haringey. What do I do now? At what point do I apply for the mortgage with Virgin Money?
It is usual to have apprehensions where there is a chain as you are unlikely to want to incur costs prematurely (mortgage application is in the region of one thousand pounds, then survey, Haringey conveyancing search costs, etc). First, you must check that your solicitor is on the Virgin Money conveyancing panel. Regarding the next phase this very much depends on the specifics of your transaction, attraction to the property and on the state of the market. During a hot market the majority of home buyers will apply for a home loan with Virgin Money and pay for the valuation and only if it was satisfactory would they ask their conveyancing practitioner to move forward with the conveyancing in Haringey.
I have recentlybeen informed that Wolstenholmes have closed. They conducted my conveyancing in Haringey for a purchase of a leasehold flat 9 months ago. How can I be sure that the property is in my name in the name of the previous owner?
The easiest method to check if the property is registered to you, 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 Haringey conveyancing specialists.
Due to the guidance of my in-laws I had a survey completed on a house in Haringey prior to retaining solicitors. I have been informed that there is a flying freehold element to the house. The surveyor advised that some lenders may not grant a loan on this type of premises.
It depends who your proposed lender is. Bank of Scotland has different instructions from Nationwide. Should you wish to telephone us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Haringey. Conveyancing may be slightly more expensive based on your lender's requirements.
Having checked my lease I have discovered that there are only 72 years left on my lease in Haringey. I am keen to extend my lease but my freeholder is can not be found. What options are available to me?
On the basis that you qualify, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the County Court for for permission to dispense with the service of the initial notice. This will mean that your lease can be lengthened by the magistrate. You will be obliged to prove that you have done all that could be expected to locate the landlord. In some cases an enquiry agent would be useful to conduct investigations and prepare a report to be accepted by the court as proof that the freeholder is indeed missing. It is advisable to get professional help from a conveyancer both on proving the landlord’s disappearance and the application to the County Court overseeing Haringey.
Having spent years of correspondence we simply can't agree with our landlord on how much the lease extension should cost for our flat in Haringey. Can we issue an application to the Residential Property Tribunal Service?
Absolutely. We are happy to put you in touch with a Haringey conveyancing firm who can help.
An example of a Lease Extension matter before the tribunal for a Haringey property is 16 Langham Close in June 2009. The Tribunal determined that the premium to be paid by the Applicant to the Respondent for the grant of a new lease was £45,672. This case related to 1 flat. The unexpired lease term was 25.4 years.
I am purchasing a leasehold flat in Haringey. Conveyancing quotes are coming in at around £1800. Is that in the right ballpark?
The average fee last year for conveyancing in Haringey was just over one thousand four hundred and fifty pounds not including Land Tax and HMLR charges.