I am purchasing a victorian detached house in Ladywell. We would like to carry out an extension to the side at the house.Will legal due diligence on the property include investigations to ascertain if these alterations are permitted?
Your solicitor will review the deeds as conveyancing in Ladywell can sometimes reveal restrictions in the title deeds which prohibit certain works or need the consent of another owner. Some extensions call for local authority planning consent and approval under the building regulations. Some locations are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. It would be sensible to check these issues with a surveyor ahead of any purchase.
I had a mortgage agreed in principle with RBS. Ladywell conveyancing lawyers were selected. What is the average time that one could expect to receive a mortgage offer from RBS?
There is no definitive answer here. Have RBS completed the survey? Have you informed RBS as to your lawyers' details and checked that your lawyers are on the RBS conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
At last I have had an offer on a flat in Ladywell agreed to, but there is a chain. The owners have offered on somewhere, however it’s not yet agreed to, and have viewings of other flats in the pipeline. I have chosen a high street conveyancing solicitor in Ladywell. What should be my next step? When do I get the mortgage application with Coventry BS started?
It is understandable to have anxieties where there is a chain as you are unlikely to want to incur expenses too early (mortgage application is approx £1k, then survey, Ladywell conveyancing search costs, etc). The first thing to do is ensure that your solicitor is on the Coventry BS approved list. Concerning the next phase this very much depends on the specifics of your transaction, attraction to this property and on the state of the market. In a hot market the majority of home buyers would apply for a home loan with Coventry BS and arrange for the valuation and only if it comes back ok would they pay their property lawyer to press on with the conveyancing in Ladywell.
I have been told that property searches are the number one reason for obstruction in Ladywell house deals. Is there any truth in this?
The Council of Property Search Organisations (CoPSO) released conclusions of a review by MoveWithUs that conveyancing searches do not figure amongst the most frequent causes of delays during the legal transfer of property. Local searches are unlikely to feature in any slowing down conveyancing in Ladywell.
I opted to have a survey carried out on a property in Ladywell prior to appointing conveyancers. I have been advised that there is a flying freehold element to the property. Our surveyor has said that some mortgage companies tend refuse to issue a mortgage on a flying freehold premises.
It depends who your proposed lender is. HSBC has different instructions for example to Nationwide. If you call us we can check via the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Ladywell. Conveyancing will be smoother if you use a solicitor in Ladywell especially if they are acquainted with such properties in Ladywell.
How do I use the search facility to get a costs illustration from a conveyancing practitioner in Ladywell on the authorised to act for my lender?
First choose a mortgage company such as Nationwide Building Society, Coventry Building Society or Aldermore then choose your preferred area for instance Ladywell. Conveyancing practices in Ladywell and nationally should be shown.
I am thinking of appointing a conveyancing practitioner in Ladywell for my home move. Is there any facility to review a solicitor's record with the profession’s regulator?
One can search for presented Solicitor Regulator Association (SRA) decisions arising from inquisitions started on or after 1 January 2008. Visit Check a solicitor's record. To find records about the period before 1 January 2008, or to check a solicitors record, call 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For non-uk callers, use +44 (0)121 329 6800. The regulator sometimes recorded telephone calls for training reasons.
Is it the case that all Ladywell property lawyers on every lender conveyancing panel?
The Lexsure search tool on this page may be of use or you can pop into your local lender branch in Ladywell. the probability is that they will know some good conveyancing solicitors in Ladywell