I have today made my last payment due on my mortgage with Co-operative. I assume I don't need a Highnam property lawyer on the Co-operative panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Co-operative 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 Co-operative mortgage from the register. Co-operative, 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 Co-operative has sent the Land Registry the discharge electronically, and
- Co-operative has instructed the Land Registry to do so
I had an offer accepted on an apartment in Highnam on 16/12/2025, valuation was booked 2 days after, all came back fine. Property lawyer retained, so the only thing outstanding was my mortgage offer. Having made daily calls to Clydesdale and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Clydesdale conveyancing panel. Can the lender hold off the offer?
Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Clydesdale to deal with your lawyer's application to be on the Clydesdale conveyancing panel. There's no guarantee that your solicitor will be accepted.
Skipton have agreed my home loan in principle, my offer on a flat in Highnam has been agreed to, what happens next?
Your estate agent will want to be informed of your conveyancer's details (make sure the lawyers are on the lender’s approved list). Call up Skipton or your financial adviser and complete any appropriate paperwork. Skipton will instruct a valuer who will get in touch with the estate agent or vendor to book a time for the valuation to take place. Once carried out (assuming no problems) it takes approximately a fortnight for the mortgage offer to be issued. Skipton will send the offer to you and your lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Highnam.
My wife and I are downsizing from our house in Highnam and the buyers lawyers are claiming that there is a possibility that the property was built on contaminated land. A local lawyer would know this is not the case. For the life of me I don't know why the purchasers are using an internet conveyancing practice as opposed to a conveyancing solicitor in Highnam. We have lived in Highnam for six years we know of no issue. Should we contact our local Authority to seek confirmation need.
It would appear that you have a conveyancing solicitor already. Are they able to advise? You should check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same illness)
I've recently found out that there is a flying freehold element on a house I put an offer in a fortnight ago in what was supposed to be a quick, chain free conveyancing. Highnam is where the house is located. What do you suggest?
Flying freeholds in Highnam are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Highnam you must be sure that your lawyer goes through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Highnam may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
I need to find a conveyancing solicitor for remortgage conveyancing in Highnam. I happened to discover a site which appears to be the perfect offering If there is a chance to get all this stuff done via phone that would be ideal. Do I need to be concerned? What should out be looking out for?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?
I only have Seventy years left on my lease in Highnam. I now wish to extend my lease but my landlord is absent. What should I do?
If you meet the appropriate requirements, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the County Court for an order to dispense with the service of the initial notice. This will enable the lease to be extended by the magistrate. You will be obliged to prove that you have made all reasonable attempts to locate the freeholder. For most situations a specialist would be helpful to carry out a search and prepare an expert document which can be accepted by the court as proof that the landlord can not be located. It is advisable to get professional help from a property lawyer in relation to investigating the landlord’s absence and the vesting order request to the County Court covering Highnam.
I purchased a 2 bed flat in Highnam, conveyancing was carried out half a dozen years ago. Can you shed any light on how much the price could be for a 90 year extension to my lease? Comparable flats in Highnam with over 90 years remaining are worth £192,000. The ground rent is £55 yearly. The lease expires on 21st October 2080
With 54 years unexpired the likely cost is going to range between £32,300 and £37,400 as well as costs.
The suggested premium range that we have given is a general guide to costs for renewing a lease, but we cannot give you the actual costs without more detailed investigations. You should not use the figures in tribunal or court proceedings. There are no doubt additional issues that need to be considered and you obviously should be as accurate as possible in your negotiations. You should not take any other action based on this information without first seeking the advice of a professional.
The conveyancers conducting our conveyancing in Highnam has sent documents to review that show the property is unregistered with epitome documents. Is it not the case that all properties in Highnam should be registered?
Although the vast majorities of properties in Highnam are now registered with HM Land Registry there are still some that remain unregistered. Any property in Highnam that has been transferred since the late 1980’s will have been registered at the HMLR under the compulsory ‘first registration’ scheme. However, if a Highnam property has not changed hands in that time then it’s likely the old fashioned title deeds will be the only evidence of ownership.Many Highnam conveyancing solicitors should be familiar with such matters but where uncertainty exists the usual proposition presently is for the seller to register it first and thereafter sell - this will predictably result in a significant delay.