It is a dozen years since I acquired my house in Poringland. Conveyancing lawyers have now been instructed on the sale but I can't track down my title deeds. Will this jeopardise the sale?
You need not be too concerned. Firstly the deeds may be with the lender or they could be in the possession of the conveyancers who oversaw the purchase. Secondly in most cases the title will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers obtaining current official copies of the land registers. Almost all conveyancing in Poringland involves registered property but in the rare situation where your home is not registered it adds to the complexity but is resolvable.
I am the single beneficiary of my late father’s estate with all property in now in my sole name, including the my former home in Poringland. The Poringland property was put into my name in April. I now wish to sell up. I do know about the CML 6 month 'rule', meaning my proprietorship will be considered the same way as though I had purchased the property in April. Will no one buy the property for half a year?
The Council of Mortgage Lenders’ handbook obliges solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be impacted by that. How sensible a view banks take of it, depend on the bank as this provision primarily exists to identify the purchase and immediately sell or the quick reselling of properties.
We had appointed solicitors based in Poringland on the Nottingham solicitor approved list. They have just invoiced me a further fee for dealing with the Nottingham mortgage. Is this an additional conveyancing fee set by Nottingham?
Unfortunately, as long as it is in their Terms of Engagement or estimate then yes your property lawyer is entitled to charge a fee for this. This charge is not set by Nottingham but by your Poringland property lawyer. Numerous firms on the Nottingham panel will charge an ‘acting for lender’ fee and others do not.
Completion of my remortgage has taken place for my property in Poringland. Conveyancing was satisfactory but I would like to complain about the lender. How does one go about formally complaining?
Almost all lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. In most cases complaints to a lender are sorted out effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
Should commercial conveyancing searches disclose proposed roadworks that may affect a commercial estate in Poringland?
Its becoming the norm that commercial conveyancing solicitors in Poringland will conduct a SiteSolutions Highways report as it dramatically cuts the time that conveyancers invest in investigating accurate data on highways that impact buildings and development assets in Poringland. The search result provides definitive information on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Poringland.
For every commercial conveyancing transaction in Poringland it is critical to investigate the adoption status of roads surrounding a site. Failure to identify developments where adoption procedures have not been addressed adequately could cause delays to Poringland commercial conveyancing transactions as well as pose a risk to future intentions for the site. These searches are not ordered for domestic conveyancing in Poringland.
Due to the input of my in-laws I had a survey completed on a property in Poringland before retaining solicitors. I have been advised that there is a flying freehold element to the house. Our surveyor advised that some mortgage companies will refuse to issue a loan on this type of house.
It depends who your proposed lender is. Bank of Scotland has different instructions from Birmingham Midshires. If you e-mail us we can look into this further with the relevant lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Poringland. Conveyancing may be slightly more expensive based on your lender's requirements.
As co-executor for the will of my grandmother I am disposing of a house in Newport but I am based in Poringland. My lawyer (approximately 235 miles awayrequires that I sign a statutory declaration before the transaction finalising. Can you recommend a conveyancing solicitor in Poringland to attest and place their company stamp on the document?
Technically speaking you are unlikely to need to have the documents attested by a conveyancing solicitor. Ordinarily or notary public or qualified solicitor will do regardless of whether they are Poringland based
I have just appointed agents to market my ground floor flat in Poringland. Conveyancing solicitors are to be appointed soon, however I have recently had a half-yearly service charge demand – what should I do?
The sensible thing to do is clear the maintenance contribution as you normally would as all ground rent and maintenance payments should be allotted on completion, so you will be reimbursed by the buyer for the period running from after the completion date to the next payment date. Most management companies will not acknowledge the buyer unless the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. This will smooth the conveyancing process.
Poringland Leasehold Conveyancing - Examples of Questions you should consider Prior to Purchasing
Make sure you enquire if the the lease contains any unreasonable restrictions in the lease. For instance plenty of leases prohibit pets being allowed in certain buildings in Poringland. If you like the propertyin Poringland yet your dog is not allowed to move with you then you have a very hard choice. It would be sensible to find out as much as possible concerning the company managing the block as they can either make your life much easier or uncomfortable. Being a leasehold owner you are frequently in the clutches of the managing agents from a financial perspective and when it comes to day to day matters like the upkeep of the common parts. Don't be shy to ask prospective neighbours whether they are happy with them. On a final note, be sure you know the dates that the service charges are due to the managing agents and precisely what it includes. Is there a share of the freehold?