I have today made my last payment due on my mortgage with Nottingham. I assume I don't need a Nottingham solicitor on the Nottingham panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Nottingham 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 Nottingham mortgage from the register. Nottingham, 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 Nottingham has sent the Land Registry the discharge electronically, and
- Nottingham has instructed the Land Registry to do so
Completion of my purchase has taken place for my property in Nottingham. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
Almost all banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. We understand that complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
I am due to exchange contracts on my house. I had a double glazing fitted in June 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Nottingham are being a right pain. The Nottingham solicitor who is on the Nottingham conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Nottingham are requiring a building regulation certificate. Why do Nottingham have a conveyancing panel if they don't accept advice from them?
It is probably the case that Nottingham have referred the matter to their valuer. The reason why Nottingham 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.
Despite weeks of looking the Title Certificate and documents to my property are lost. The conveyancers who did the conveyancing in Nottingham 5 years ago no longer exist. What do I do?
You no longer need to hold title original deeds to prove you are the registered proprietor of land or premises, given that the Land Registry have everything they need in a digital format.
Just had an offer accepted on a new build apartment in Nottingham. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.
Set out below is a sample of a selection of leasehold new build questions that you may expect your new-build leasehold conveyancing in Nottingham
-
Please confirm the Lease plans are surveyor prepared. There must be mutual enforceability of lessee’s covenants. Please supply a car parking plan. The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company?
I've recently found out that there is a flying freehold element on a property I put an offer in last month in what should have been a quick, no chain conveyancing. Nottingham is where the house is located. Can you shed any light on this issue?
Flying freeholds in Nottingham are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Nottingham you would need to get your solicitor to go through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Nottingham 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.
I'm remortgaging my current home to a BTL mortgage with Platform Home Loans Ltd and intend to use the remaining equity as a deposit on further property. The area we are looking at is Nottingham. Will your conveyancers be able to act for the two mortgage companies and tie in the two deals?
Do use our search tool on this page to ensure that the solicitors are approved by both banks. Having checked that they are your lawyer will be able to simultaneously deal with the two deals but you should have a chat with you solicitor and make clear your desired outcome and requirements.
After what seems like an age I have had an offer on an maisonette in Nottingham accepted, the owner does however have a tied purchase. The current proprietors have offered on a property, although it’s not yet agreed to, and are looking at other properties in the pipeline. I have selected a nearby conveyancing solicitor in Nottingham. What should be my next step? When should I get the mortgage application with RBS going with RBS?
It is standard to have apprehensions where there is an associated chain as you are unlikely to want to be too out of pocket too early (home loan application is in the region of one thousand pounds, then valuation, Nottingham conveyancing search fees, etc). The first thing to do is ensure that your solicitor is on the RBS approved list. Regarding the subsequent stages this very much depends on the circumstances of your transaction, desire for this property and on the state of the market. During a rising market the majority of buyers would apply for the mortgage with RBS and arrange for the survey and only if it comes back ok would they pay their conveyancer to move forward with the conveyancing in Nottingham.