Completed the sale of my flat in Penshaw last November but the buyer keeps SMS messaging daily complaining that her solicitor needs to hear from mine. What should my lawyer have done following completion?
Following your house sale your solicitor is committed to forward the transfer documentation and all of the paperwork to the purchaser's lawyers. Depending on the transaction, your lawyer must also confirm that the mortgage has been discharged to the purchasers lawyers. There is unlikely to be post completion formalities peculiar conveyancing in Penshaw.
My grandfather passed away six months ago and as sole heir and executor I was left the property in Penshaw. The house had a relatively small loan remaining of approximately £4500. I want to transfer the title deeds into my name whilst I re-mortgage to Kent Reliance, pay off the mortgage. Is this possible?
Where you plan to refinance then Kent Reliance will require that you use a conveyancer on the Kent Reliance 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 Kent Reliance 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 Kent Reliance mortgage is registered as a charge at the Land Registry.
We have a mortgage agreed in principle with Santander. Penshaw conveyancing practitioners have been selected. What is the average time that one could expect to receive a mortgage offer from Santander?
There is no definitive answer here. Have Santander conducted the survey? Have you advised Santander as to your lawyers' details and checked that your lawyers are on the Santander conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
Intending to buy a apartment in Penshaw. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Principality conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Penshaw lawyer is on the Principality conveyancing panel.
Having digested plenty of mortgage guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Penshaw solicitor - who is on the Barclays conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Barclays will need an independent valuation of the property. Your lawyer will not arrange this. Usually Barclays will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Penshaw postcode. As you are getting a mortgage with Barclays, you could contact them to see if they have a list of approved surveyors in Penshaw.
We are purchasing a property and the conveyancer has raised the issue of Chancel Repair to which the property may be liable given it’s proximity to the area of such a church. He has recommended insurance. Is this really necessary for conveyancing in Penshaw
Unless a prior acquisition of the property took place post 12 October 2013 you may expect lawyers handling conveyancing in Penshaw to remain recommending a chancel search and or insurance against a claim.
I have todaybeen informed that Arc property Solicitors have closed. They conducted my conveyancing in Penshaw for a purchase of a leasehold apartment 9 months ago. How can I establish that my home is in my name in the name of the former proprietor?
The quickest method to check if the property is in your name, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Penshaw conveyancing specialists.
Over the last few months I have been searching for a ground for flat up to £195,000 and identified one close by in Penshaw I like with open areas and transport links in the vicinity, the downside is that it's only got 52 years on the lease. I can't really find anything else in Penshaw suitable, so just wondered if I would be making a grave error buying a short lease?
Should you require a mortgage that many years will be a potential deal breaker. Reduce the offer by the anticipated lease extension will cost if not already taken into account. If the current proprietor has owned the premises for a minimum of twenty four months you could request that they commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the current lease term and have £0 ground rent by law. You should consult your conveyancing lawyer about this matter.