Just contacted my conveyancing solicitor in Ramsey who completed the legal work two years ago and wanted a conveyancing costs illustration based on the same type of house move (a leasehold premises and a freehold property) of similar values with a loan from Lloyds TSB Bank. It looks as though am now being charged double. Am I right to be tempted to shop around for an alternative conveyancer?
The estimate does seem a tad steep. If you are happy to invest time contrasting charges you could trim some of the expense by perhaps £125. That being said, if you were satisfied with the legal work the firm provided you mightcome to regret opting for an an unknown solicitor. Don't forget to ensure the firm can act for Lloyds TSB Bank. You can employ our search tool to get a quote a Ramsey conveyancing firm on the Lloyds TSB Bank conveyancing panel, which can often include conveyancing solicitors in Ramsey.
My grandfather passed away last year and as sole heir and executor I was left the property in Ramsey. The house had a small mortgage remaining of approximately £8000. I want to transfer the title deeds into my name whilst I re-mortgage to Kent Reliance, pay off the mortgage. Is this allowed?
Given you plan to re-mortgage then Kent Reliance will insist on your using 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 are downsizing from our property in Ramsey and according to the buyers it appears that there is a possibility that the property was constructed on contaminated land. Any local conveyancer would know this is not the case. It does beg the question why the buyers instructed a factory type conveyancing practice rather than a conveyancing solicitor in Ramsey. Having lived in Ramsey for many years we know that this is a non issue. Should we contact our local Authority to get confirmation need.
It sounds as though you may have a conveyancing lawyer currently acting for you. What do they say? You should check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same sickness)
Me and my brother purchased a 4 bedroom Edwardian house in Ramsey. Conveyancing practitioner represented me and Alliance & Leicester . I happened to do a free search for it on the Land Registry database and there are a couple of entries: the first freehold, another for leasehold under the exact same property. I'd like to know for sure, how can I find out??
You should read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Ramsey and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also question the situation with the conveyancing lawyer who conducted the conveyancing.
I'm purchasing my first flat in Ramsey with the aid of help to buy. The sellers refused to move on the price so I negotiated 6k of fixtures and fittings instead. The house builders rep suggested that I not inform my conveyancer about this deal as it may jeopardize my mortgage with the lender. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
What does commercial conveyancing in Ramsey cover?
Ramsey conveyancing for business premises incorporates a broad range of advice, offered by regulated solicitors, relating to business property. For example, this type of conveyancing can cover the sale or purchase of freehold business premises or, more commonly, the transfer of existing business tenancies or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial loans and the termination of leases.