We have agreed to purchase a house in Plymstock. One unusual aspect is that the roof has a solar panel. Yorkshire BS have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that you are obtaining a mortgage with Yorkshire BS your lawyer must check the conveyancing instructions set out in Section 2 of UK Finance Lenders’ Handbook for Yorkshire BS. The CML Handbook sets out minimum conditions for solar panel roof-space leases, and property lawyers are required to report to Yorkshire BS where a lease does not meet these provisions. The requirements relate to the installation of panels on properties in England and Wales and is not restricted to Plymstock.
The formalities of my purchase has taken place for my property in Plymstock. Conveyancing was satisfactory but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?
All banks and building societies have complaints procedures. Your first port of call 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 very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
Kent Reliance have agreed my mortgage in principle, my bid on a flat in Plymstock has been accepted, now what?
Your estate agent will want to be informed of your conveyancer's details (make sure the conveyancing practitioners are on the bank’s panel). Telephone Kent Reliance or your financial adviser and finalise any outstanding documentation. Kent Reliance will instruct a valuer who will get in touch with the estate agent or owners to book an appointment. Once conducted (assuming no problems) it takes on average ten days for the mortgage offer to be issued. Kent Reliance will issue the offer to you and your conveyancers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Plymstock.
What can a local search tell me regarding the house my wife and I purchasing in Plymstock?
Plymstock conveyancing often starts with the applying for local authority searches directly from your local Authority or via a personal search organisations for instance Searchflow The local search plays an important part in most Plymstock conveyancing purchase; as long as you don’t want any nasty once you have moved into your new home. The search will provide information on, amongst other things, details on planning applications applicable to the property (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 13 topic areas.
Despite weeks of looking the Title Certificate and documents to my property can not be found. The conveyancers who conducted the conveyancing in Plymstock 4 years ago are no longer around. What are my options?
You no longer need to have the physical official documentation to establish that you are the owner of your registered land or property, as the Land Registry have everything they need in a digital format.
How does conveyancing in Plymstock differ for newly converted properties?
Most buyers of new build or newly converted property in Plymstock contact us having been asked by the housebuilder to sign contracts and commit to the purchase even before the property is ready to move into. This is because house builders in Plymstock typically buy the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Plymstock or who has acted in the same development.
Is it simple use your search facility to choose a conveyancing lawyer in Plymstock on the approved list for my lender?
Step one is to select a lender such as Halifax, Coventry Building Society or Britannia then specify your preferred area a common one being Plymstock. Conveyancing practices in Plymstock and nationally will then be identified.
Having checked my lease I have discovered that there are only Seventy years remaining on my flat in Plymstock. I now wish to extend my lease but my landlord is can not be found. What are my options?
If you qualify, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the County Court for an order to dispense with the service of the initial notice. This will enable the lease to be extended by the magistrate. You will be obliged to prove that you have done all that could be expected to locate the landlord. For most situations a specialist should be helpful to try and locate and to produce an expert document which can be accepted by the court as evidence that the landlord can not be located. It is wise to seek advice from a conveyancer both on devolving into the landlord’s disappearance and the application to the County Court overseeing Plymstock.
Plymstock Leasehold Conveyancing - Sample of Queries before Purchasing
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Make sure you investigate if the the lease includes any adverse restrictions in the lease. For example it is very common in Plymstock leases that pets are not allowed in in a block in Plymstock. If you love the apartmentin Plymstock however your cat can’t live with you then you will be faced hard compromise. What is the name of the managing agents? Is the freehold reversion owned jointly by the leaseholders?