Recently been in touch with my conveyancing lawyer in North Kensington who conducted the legals two years ago asking for a conveyancing quote based on the same type of home move (a leasehold property and a freehold property) of almost identical values with a loan from Clydesdale. I am now being charged twice the amount. Should I look for an alternative property lawyer?
The estimate does seem a little overpriced. Where you are prepared to invest time comparing charges you could reduce the fees marginally by perhaps £125. That being said, if you were pleased with the legal work the firm offered you couldcome to rue choosing an an untested lawyer. If is important to enquire that the conveyancer can act for Clydesdale. Do make use of our search tool to select a North Kensington conveyancing firm on the Clydesdale approved list of lawyers, which can often include conveyancing solicitors in North Kensington.
I have given 2 months notice to my existing landlord and have to leave my let out property in North Kensington by the end of next month. Conveyancing on my purchase has just started. How realistic is it to complete in 4 weeks as don't want to have to find short term accommodation?
It is unwise to give notice for your letting until you have exchanged. If you have not previously done so, speak to your solicitor and request that they apply pressure on the other solicitors, try to a target completion date that everyone will look to achieve
I have today made my last payment due on my mortgage with Skipton. I assume I don't need a North Kensington lawyer on the Skipton panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Skipton 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 Skipton mortgage from the register. Skipton, 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 Skipton has sent the Land Registry the discharge electronically, and
- Skipton has instructed the Land Registry to do so
It is unclear whether my mortgage offer requires a lease extension. I have telephoned my North Kensington bank branch on a couple of occasions and was told it does not impact the mortgage offer and they will lend. My North Kensington conveyancing solicitor - who is on the bank conveyancing panel- telephoned to say that they refuse to lend in accordance with their specific requirements. I have no idea who is right.
As long as the solicitor is on the lender approved list, they must comply with the Council of Mortgage Lenders’ Handbook specifications for the lender. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
I am due to exchange contracts on my house. I had a double glazing fitted in January 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Santander are being pedantic. The North Kensington solicitor who is on the Santander conveyancing panel is recommending indemnity insurance as a solution but Santander are insisting on a building regulation certificate. Why do Santander have a conveyancing panel if they don't accept advice from them?
It is probably the case that Santander have referred the matter to their valuer. The reason why Santander 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.
What will a local search reveal concerning the property I am buying in North Kensington?
North Kensington conveyancing often commences with the applying for local authority searches directly from your local Authority or through a personal search company for instance Searches UK The local search plays a central part in most North Kensington conveyancing purchase; that is if you don’t want any nasty once you have moved into your property. The search should reveal information on, amongst other things, details on planning applications applicable to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen topic headings.
I've recently found out that there is a flying freehold element on a property I have offered on last month in what should have been a simple, no chain conveyancing. North Kensington is where the house is located. Can you shed any light on this issue?
Flying freeholds in North Kensington are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in North Kensington you must be sure that your lawyer goes through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in North Kensington 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.
What makes your site different to alternative web based conveyancing brokers for conveyancing in North Kensington?
At this site receive a fixed fee costs illustration via a Solicitor or Licensed Conveyancer that appreciates the issues for your conveyancing in North Kensington. As opposed to estate agents and brokerage sites we do not charge firms a fee if you choose them for your property ownership legalities in North Kensington