We previously selected conveyancers with offices in Hingham on the Kent Reliance solicitor approved list. They are now charging me an additional amount for handling the Kent Reliance mortgage. Is this an additional conveyancing fee specified by Kent Reliance?
Unfortunately, as long as it is in their Terms of Engagement or Quote then yes your conveyancing practitioner can levy a fee for this. The fee is not dictated by Kent Reliance but by your Hingham solicitor. Numerous firms on the Kent Reliance panel will charge ’dealing with mortgage’ fee but plenty of practices include it on their overall fee.
I have decided to exercise my right to buy my property in Hingham off the council. I have a mortgage offer with Leeds Building Society. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Leeds Building Society, you will need to appoint a solicitor on the Leeds Building Society conveyancing panel.
About to purchase apartment in Hingham. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the HSBC conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Hingham property lawyer is on the HSBC conveyancing panel.
I note that there are debates on Chancel Insurance on online forums. Am I compelled to take this when buying a property in Hingham? or I am told that there is an ancient law that means some owners of property living in a parish church boundary may be liable to pay for maintenance to the chancel within the church. Is this applicable for conveyancing in Hingham?
Unless a prior acquisition of the premises took place after 12 October 2013 you could assume that conveyancing practitioners conducting conveyancing in Hingham to remain recommending a chancel search and or chancel repair liability policy.
About to purchase a new build apartment in Hingham. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.
Set out below is a sample of a selection of leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Hingham
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Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier?
Due to the input of my in-laws I had a survey completed on a house in Hingham ahead of appointing solicitors. I have been told that there is a flying freehold overhang to the property. Our surveyor has said that some banks will not issue a loan on this type of premises.
It depends who your proposed lender is. HSBC has different instructions from Birmingham Midshires. If you contact us we can check via the relevant lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Hingham. Conveyancing will be smoother if you use a solicitor in Hingham especially if they are accustomed to such properties in Hingham.
My father has encouraged me to use his conveyancing solicitors in Hingham. Should I choose my own property lawyer?
There are no two ways about it it’s preferable to select a conveyancing lawyer is to seek feedback from friends or family who have actually used the conveyancer that you are contemplating using.
Having had my offer accepted I require leasehold conveyancing in Hingham. Before diving in I want to be sure as to the remaining lease term.
If the lease is registered - and most are in Hingham - then the leasehold title will always include the basic details of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.
Hingham Leasehold Conveyancing - Examples of Queries before Purchasing
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This information is useful as a) areas can cause problems in the block as the common areas may start to deteriorate where maintenance are not paid for b) if the leasehold owners have a dispute with the managing agents you will wish to have complete disclosure Are any of leasehold owners in dispute over their service charge liability?