My solicitor has uncovered a a legal deficiency with the lease for the property we are buying in Hedge End. The seller’s lawyers have suggested title insurance as a workaround. We are happy with insurance and will pay for it. Our conveyancer has advised that he must be satisfied that the bank is happy with this solution. Are we the client or is the bank?
Notwithstanding that you have a mortgage offer from the bank does not mean to say that the property will meet their provisions for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook conditions. You and the bank are the client. These conveyancing instructions must be adhered to.
I am looking to buy a flat and need a conveyancing solicitor in Hedge End who is on the Accord Mortgages Ltd approved. Can you recommend a local firm?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Accord Mortgages Ltd in certain locations such as Hedge End. We dont recommend any particular firm.
I completed on my apartment on 16 April and my personal details is not yet registered. Need I be worried? My conveyancing solicitor in Hedge End advises it will be dealt with inside ten days. Are titles in Hedge End particularly slow to register?
There is nothing unique when it comes to conveyancing in Hedge End registration formalities. As opposed to being determined by geographic area, timeframes can vary subject to who lodges the application, whether it is in order and whether the Land registry have to notify any interested parties. Currently roughly three quarters of such applications are fully dealt with within two weeks but occasionally there can be extensive delays. Registration is effected once the purchaser has moved in to the property so an expedited registration is not always primary concern yet where there is a degree of urgency associated with the registration then you or your lawyers must contact the land registry and explain the circumstances.
Due to the guidance of my in-laws I had a survey completed on a property in Hedge End in advance of instructing solicitors. I have been advised that there is a flying freehold overhang to the house. The surveyor has said that some mortgage companies will not issue a loan on such a property.
It depends who your proposed lender is. Santander has different instructions for example to Halifax. Should you wish to call us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Hedge End. Conveyancing will be smoother if you use a solicitor in Hedge End especially if they are acquainted with such properties in Hedge End.
In my capacity as executor for the will of my aunt I am selling a residence in Neath but live in Hedge End. My conveyancer (approximately 300 kilometers awayneeds me to execute a statutory declaration ahead of completion. Could you suggest a conveyancing lawyer in Hedge End to attest and place their company stamp on the document?
strictly speaking you should not be required to have the documents witnessed by a conveyancing solicitor. Normally or notary public or qualified solicitor will be fine regardless of whether they are based in Hedge End
Should I stop my mortgage payments with Virgin Money as soon as a completion date for my sale in Hedge End has been set?
No, you must continue meeting any mortgage sums to Virgin Money pending the mortgage being paid off out of the proceeds of sale as part of your Hedge End conveyancing.