We see that you have a post code search directory identifying law firms on the Skipton conveyancing panel. Do companies pay you a referral fee if I appoint them for our conveyancing in Melton Mowbray?
We are a listing service only for law firms wishing to communicate if they are on the Skipton conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Melton Mowbray.
My grandmother passed away last year and as sole heir and executor I was left the property in Melton Mowbray. The house had a small mortgage remaining of approximately £4500. I want to transfer the title deeds into my name whilst I re-mortgage to Skipton, pay off the mortgage. Is this possible?
If you plan to refinance then Skipton will require that you use a conveyancer on the Skipton conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Skipton conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Skipton mortgage is registered as a charge at the Land Registry.
Please help - my lawyer says that restrictive coveneant insurance is necessary on my purchase. What is the level of cover for Melton Mowbray conveyancing?
The right level of restrictive coveneant indemnity insurance should be dictated by who your lender. It would differ for example between Birmingham Midshires and Leeds Building Society. Conveyancing lawyers as opposed to borrowers take out such policies.
I am selling my house. I had a double glazing fitted in November 2006, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Kent Reliance are being a right pain. The Melton Mowbray solicitor who is on the Kent Reliance conveyancing panel is saying indemnity insurance will be fine but Kent Reliance are requiring a building regulation certificate. Why do Kent Reliance have a conveyancing panel if they don't accept advice from them?
It is probably the case that Kent Reliance have referred the matter to their valuer. The reason why Kent Reliance may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
Our offer on a property in Melton Mowbray has been agreed to, but there is a chain. The sellers have put an offer on a property, however it’s not yet tied up, and have viewings of other flats in the pipeline. I have selected a high street conveyancing solicitor in Melton Mowbray. What do I do now? At what point should I apply for the mortgage with Aldermore?
It is normal to have apprehensions where there is a chain as you are unlikely to want to be too out of pocket prematurely (mortgage application is approx £1k, then survey, Melton Mowbray conveyancing search charges, etc). First, you must ensure that your conveyancer is on the Aldermore approved list. Concerning the subsequent phase this very much depends on the uniqueness of your transaction, motivation for this property and on the state of the market. In a buoyant market many purchasers will apply for the mortgage with Aldermore and arrange for the valuation and only if it comes back ok would they ask their conveyancing practitioner to press on with the conveyancing in Melton Mowbray.
I'm purchasing a new build house in Melton Mowbray with the aid of help to buy. The sellers would not move on the amount so I negotiated £7000 of additionals instead. The sale representative suggested that I not reveal to my conveyancer about the side-deal as it will affect my mortgage with Norwich and Peterborough Building Society. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I have been on the look out for a leasehold apartment up to £235,500 and identified one near me in Melton Mowbray I like with amenity areas and transport links in the vicinity, the downside is that it's only got 61 years unexpired on the lease. I can't really find anything else in Melton Mowbray for this price, so just wondered if I would be making a mistake purchasing a short lease?
If you need a home loan the remaining unexpired lease term will be problematic. Reduce the price by the expected lease extension will cost if not already taken into account. If the current owner has owned the premises for a minimum of twenty four months you could ask them to start the process of the extension and then assign it to you. You can add 90 years to the existing lease term and have £0 ground rent by law. You should speak to your conveyancing solicitor about this.
My cousin has suggested that I appoint his lawyers for conveyancing in Melton Mowbray. Should I choose my own solicitor?
No doubt the best way to select a conveyancing practitioner is to seek feedback from friends or relatives who have used the firm you're are thinking of instructing.