My wife and I buying a detached bungalow in Longhope. The intention is to an extension at the rear at the house.Will the conveyancing process involve checks to ascertain if these alterations are allowed?
Your property lawyer will check the registered title as conveyancing in Longhope will sometimes reveal restrictions in the title deeds which prevent certain changes or need the permission of another owner. Many additions need local authority planning consent and approval in compliance with building regulations. Certain locations are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. It would be wise to check these things with a surveyor ahead of any purchase.
Can you point me to a directory of Nationwide panel conveyancers in Longhope on the UK Finance Lenders’ Handbook Website?
Unfortunately not yet. There is no such facility on the Council of Mortgage Lenders or Building Society Association websites. Very few lending institutions make their panel listings open the public over the internet. Where you are seeking to appoint a Longhope conveyancing practitioner on the Nationwide please use our facility.
I have paid off my mortgage with Nationwide. I assume I don't need a Longhope property lawyer on the Nationwide panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Nationwide 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 Nationwide mortgage from the register. Nationwide, 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 Nationwide has sent the Land Registry the discharge electronically, and
- Nationwide has instructed the Land Registry to do so
I opted to have a survey carried out on a house in Longhope ahead of retaining conveyancers. I have been advised that there is a flying freehold overhang to the house. The surveyor has said that some banks may not issue a mortgage on such a home.
It varies from the lender to lender. Lloyds has different requirements for example to Birmingham Midshires. Should you wish to call us we can check with the appropriate bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Longhope. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Longhope to see if the conveyancing costs will increase in light of this.
I am looking into buying my first house which is in Longhope and I am already nervous. I couldn't find anything specific about Longhope. Conveyancing will be needed in due course but do you know about the Longhope area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Longhope. In the meantime here are some basic statistics that we found
We're novice buyers - had an offer accepted, yet the agent informed us that the owners will only proceed if we use their preferred conveyancers as they need a ‘quick sale’. My instinct tells me that we should use a local conveyancer with experience of conveyancing in Longhope
It is unlikely the sellers are driving this. If they want ‘a quick sale', taking such a hostile approach to a genuine purchaser is counter productive. Contact the owners directly and make sure they comprehend that (a)you are keen to buy (b)you are excited to move forward, with finances in place © you are unencumbered (d) you wish to move quickly (e)however you will continue to appoint your preferred Longhope conveyancing solicitors - rather thanthe ones that will give the estate agent a kickback or hit his conveyancing figures pre-set by corporate headquarters.
I've found a house that appears to be perfect, at a great price which is making it more attractive. I have just found out that the title is leasehold as opposed to freehold. I am assuming that there are particular concerns buying a house with a leasehold title in Longhope. Conveyancing solicitors have are soon to be appointed. Will they explain the issues?
The majority of houses in Longhope are freehold rather than leasehold. In this scenario it’s worth having a local solicitor who is familiar with the area who can help the conveyancing process. We note that you are buying in Longhope so you should seriously consider shopping around for a Longhope conveyancing solicitor and check that they have experience in advising on leasehold houses. First you will need to check the number of years remaining. As a tenant you will not be at liberty to do whatever you want with the house. The lease comes with conditions for example requiring the freeholder’sconsent to carry out alterations. It may be necessary to pay a maintenance charge towards the maintenance of the communal areas where the house is part of an estate. Your conveyancer should report to you on the legal implications.
Longhope Leasehold Conveyancing - Sample of Queries Prior to buying
-
What is the service charge and ground rent on the property? This information is helpful as a) areas may result in problems for the block as the communal areas may start to deteriorate where repairs remain unpaid b) if the tenants have an issue with the managing agents you will need to have full disclosure Who are the managing agents?
We have an offer in principle from HSBC Bank who said that they will lend up to £350k. When do I need to instruct a solicitor for conveyancing? Longhope is where we are .
You can appoint a conveyancing practitioner now and ask them to create a file on your behalf. This will enable: 1) the estate agent to send out the Sales Memorandum to the relevant parties 2) the seller’s lawyer to submit the draft agreement. However, do not ask your lawyer to start searches until you have your valuation report via HSBC Bank and you are content to proceed.