The mortgage offer from HSBC for the refinancing of my 3 room apartment is to be issued by the end of next week. Can you recommend a low cost conveyancing practitioner in Potters Bar?
You are on the wrong site if you are in need of the cheapest conveyancing in Potters Bar. We can offer you affordable conveyancing but we do not advertise as being the cheapest. Avoid the trap of appointing organisations offering the bait of low cost conveyancing in Potters Bar. Optimistically, in being led by low cost conveyancing, you will get your money’s worth and at worst it will result in you with a hefty uplift in extras and still not receive the service required.
We are a couple about to exchange contracts for a garden flat in Potters Bar. We have hit a problem. Our mortgage offer with TSB expires on 16/3/2021 but the vendors are insisting on a completion date of 18/3/2021. Is it possible to extend the mortgage offer?
The best person to deal with your question is your conveyancer who will hopefully assess whether they corresponding with the mortgage company, owner’s representatives, property agents or indeed all parties based on the circumstances your transaction to date.
This question may be naive but I am wet behind the ears as a first time buyer of a ground floor flat in Potters Bar. Do I pick up the keys to the house on the completion date from my solicitor? If this is the case, I will appoint a High Street conveyancing solicitor in Potters Bar?
On the day of completion you do not need to attend the conveyancers office in Potters Bar. Your solicitors will transfer the purchase money to the owner’s solicitors, and once they have received this, you will be able to pick up the keys from the selling Agents and move into your new home. This tends to happen between 1 and 3pm.
I happen to be the sole recipient of my late mum's will with all property in now in my sole name, including the my former home in Potters Bar. Conveyancing formalities meant that the Land Registry date was in December. I want to move. I do know about the CML six month 'rule', meaning my proprietorship may be regarded the same way as though I had purchased the house in December. Do I have to wait 6 months to sell?
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 practical a view banks take of it, depend on the mortgage company as this provision primarily exists to identify subsales or the flipping of property.
I have today made my last payment due on my mortgage with HSBC. I assume I don't need a Potters Bar solicitor on the HSBC panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your HSBC 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 HSBC mortgage from the register. HSBC, 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 HSBC has sent the Land Registry the discharge electronically, and
- HSBC has instructed the Land Registry to do so
How difficult is it to transfer to a new solicitor as I have to choose one who is on the Lloyds TSB Bank conveyancing list. I was using a high street conveyancing solicitor in Potters Bar round the corner but she is not accepted by Lloyds TSB Bank
It would be our pleasure to help you select a conveyancing solicitor in Potters Bar on the Lloyds TSB Bank panel. Please note that the law firms that we list do not pay us a referral fee if you instruct them and are regulated by the SRA who oversee all conveyancing solicitors in Potters Bar. In utilising search facility on this page, you can compare and instruct different solicitors and conveyancers both nationally and in Potters Bar.
Am I best advised to instruct a Potters Bar conveyancing practitioner based in the location that I am purchasing? We have a good friend who can conduct the legal work however they are based a couple of hundredkilometers drive away.
The benefit of a high street Potters Bar conveyancing firm is that you can attend the office to execute documents, hand in your identification documents and pester them where appropriate. Having local Potters Bar know how is a plus. That being said nothing is more important than finding someone that will do a good and efficient job. If other friends have used your friend and on the whole were happy that must surpass using an unknown Potters Bar conveyancing lawyer just because they are round the corner.
A licensed conveyancer dealt with my conveyancing in Potters Bar half a dozen years ago having stored my registration documents but has since been shut down – What can I do to get hold of these?
Title deeds, as such, are no longer appropriate for most homes in Potters Bar are recorded electronically at Land Registry. Should you need to prove evidence of proprietorship or are selling or refinancing your conveyancer can obtain up to date copies of the register from the Land Registry in any case.
If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned with reasonable haste.