Can I use your services to recommend a Conveyancing solicitor in Harold Park even where I’m not buying or disposing of a house, for instance where I want to acquire an office in Harold Park with a loan from Britannia?
Our search tool is mainly used to help choose domestic conveyancing solicitors in Harold Park but we have set out towards the bottom of this page some Harold Park commercial conveyancing firms. You should make contact with the firm directly to establish if they are also authorised to represent Britannia
The Harold Park conveyancing solicitors that I appointed last week on my purchase in Harold Park have without warning shut down. I chose them because I had to have a lawyer on the Lloyds conveyancing panel and my family Harold Park lawyer was not. I gave my credit card details for them to take £195 for searches. What are my options?
Assuming that you have an Estate Agent in the equation then inform them immediately so that they advise the vendors that there may be a slight delay due to reasons beyond your control. Hopefully they will be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You will need to appoint new lawyers that are on the Lloyds conveyancing panel and notify the lender. If you have paid over any money, it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new solicitors may be able to assist.
My lawyer has informed me that lack of planning permission insurance is required on my purchase. What is the level of cover for Harold Park conveyancing?
The right level of lack of planning permission indemnity insurance should be dictated by who who your lender is. It would differ for example between Halifax and Coventry Building Society. Conveyancing lawyers as opposed to members of the public take out such insurances.
I have paid off my mortgage with UBS. I assume I don't need a Harold Park lawyer on the UBS panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your UBS 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 UBS mortgage from the register. UBS, 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 UBS has sent the Land Registry the discharge electronically, and
- UBS has instructed the Land Registry to do so
TSB have agreed my home loan in principle, my bid on a flat in Harold Park has been agreed to, what happens next?
The estate agent will want to know who your solicitors are (ensure that the conveyancing practitioners are on the lender’s panel). Telephone TSB or the financial adviser and complete any outstanding documentation. TSB will instruct a valuer who will get in touch with the estate agent or vendor to schedule an appointment. Once conducted (assuming no problems) it takes approximately a week for the mortgage offer to be issued. TSB will issue the offer to you and your conveyancing practitioners. The legal work will then take it’s course according the nature and complexity of the conveyancing in Harold Park.
What will a local search inform me about the house we're buying in Harold Park?
Harold Park conveyancing often starts with the submitting local authority searches directly from your local Authority or via a personal search company for example Onsearch The local search plays a central role in most Harold Park conveyancing purchase; as long as you don’t want any unpleasant once you have moved into your property. The search should provide data on, amongst other things, details on planning applications applicable to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 topic headings.
I own a terraced Georgian house in Harold Park. Conveyancing practitioner acted for me and Coventry Building Society. I happened to do a free search for it on the Land Registry database and there are a couple of entries: one for freehold, the second leasehold with the matching address. If a house is not a freehold shouldn't I have been informed?
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 proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Harold Park and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also question the position with your conveyancing lawyer who conducted the conveyancing.
I decided to have a survey completed on a property in Harold Park in advance of retaining lawyers. I have been advised that there is a flying freehold overhang to the house. Our surveyor advised that some mortgage companies may not give a loan on a flying freehold house.
It depends who your proposed lender is. Lloyds has different instructions for example to Halifax. Should you wish to call us we can check via the appropriate lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Harold Park. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Harold Park to see if the conveyancing costs will increase in light of this.