I am getting a mortgage with Halifax. I intend to use a Licensed Conveyancer in Nunhead. Does the Halifax Conveyancing panel include Licensed Conveyancers?
The Halifax conveyancing panel is, like many other lenders, associated to the CML or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
I require conveyancing for a flat in a fairly new development (five years old) in Nunhead. Almost all the flats have already been occupied. Do I need carry out the conveyancing searches as part of conveyancing in Nunhead?
You are taking a significant risk in refusing to carrying out Nunhead conveyancing searches. Without searches you have no clarity over flooding, environmental etc which may mean you walk away due to potential problems down the line. If you are buying mortgage free there is no legal necessity to have them, but we would absolutely advise in no uncertain terms that your lawyer conducts them. Where accelerating the process and driving down costs are top of your concerns you should consider with your conveyancer about the options such as contingency insurance available to you
Why is leasehold purchase conveyancing in Nunhead is more expensive?
The conveyancing charges on a leasehold property in Nunhead is often greater when contrasted to a freehold acquisition or disposal. This is due to the supplemental work required in communicating with the landlord and managing agents to collate the evidence about whether the rent and service charges have been discharged and whether there are any significant expenditure in the near future on repairs or maintenance of the block.
What is your number one tip for finding a conveyancing solicitor in Nunhead
Do not opt for the lowest Nunhead conveyancing fees. You really do get what you’re paying for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you know exactly what you’ll have to pay in advance.
This question may be naive but I am unexperienced as a 1st time buyer of a ground floor flat in Nunhead. Do I receive the keys to the property on the completion date from my conveyancer? If so, I will use a local conveyancing solicitor in Nunhead?
On the day of completion you will not be required to go to the conveyancers office in Nunhead. Your solicitors will arrange to send the completion advance to the owner’s conveyancers, and shortly after the monies have arrived, you will be called to receive the keys from the property Agents and move into your new home. This tends to happen early afternoon.
My offer on a semi in Nunhead has been agreed to, but there is a chain. The owners have offered on a flat, but it’s not yet agreed to, and are looking at other flats in the pipeline. I have instructed a high street conveyancing solicitor in Nunhead. What do I do now? At what stage do I apply for the mortgage with Santander?
It is usual to have anxieties where there is a chain as you are unlikely to want to incur costs too early (home loan application is approx £1k, then survey, Nunhead conveyancing search costs, etc). The first course of action is to ensure that your solicitor is on the Santander conveyancing panel. As to the next steps this very much dictated by the circumstances of your transaction, motivation for this property and on the state of the market. During a rising market the majority of buyers would apply for a home loan with Santander and arrange for the valuation and only if it was satisfactory would they pay their conveyancing practitioner to press on with searches.
Despite weeks of looking the Title Certificate and documents to my house can not be found. The lawyers who handled the conveyancing in Nunhead 5 years ago no longer exist. What are my next steps?
Nowadays there are duplicates made of almost everything, and your conveyancer should be aware precisely where to locate all the appropriate paperwork so you may buy or sell your house without a hitch. If duplicates can’t be found, your conveyancer may be able to put in place insurance or indemnities against possible claims on your property.
Due to the encouragement of my in-laws I had a survey completed on a house in Nunhead ahead of retaining solicitors. I have been informed that there is a flying freehold element to the property. My surveyor advised that some mortgage companies will not issue a loan on a flying freehold house.
It depends who your proposed lender is. Santander has different instructions 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 accustomed to dealing with flying freeholds in Nunhead. Conveyancing will be smoother if you use a solicitor in Nunhead especially if they regularly deal with such properties in Nunhead.