AssumingI were to buy a freehold housein Roundhay mortgage fee and dispense with a survey and no conveyancing searches how much could I expect to to save on my conveyancing in Roundhay?
The only reduction in fees you would achieve is the Roundhay conveyancing searches. Your property lawyer still be obliged to do everything else - money laundering, correspond with your vendors property lawyer, SDLT submission, register the property etc. You might save a bit for them not needing to register a charge but it won't be a lot.
This question may be naive but I am new to the home moving as FTB of a garden flat in Roundhay. Do I receive the keys to the premises on the completion date from my lawyer? If so, I will instruct a High Street conveyancing solicitor in Roundhay?
On the day of completion you will not be required to attend the conveyancers office in Roundhay. Your solicitors will transfer the completion advance to the owner’s solicitors, and once they have received this, you should be able to collect the keys from the property Agents and start moving into the property. This tends to happen early afternoon.
We previously instructed solicitors with offices in Roundhay on the Aldermore solicitor approved list. They have just invoiced me an additional fee for handling the Aldermore mortgage. Is this an additional conveyancing fee specified by Aldermore?
Provided it is contained in their Terms and Conditions or estimate then yes your conveyancing practitioner may charge a fee for this. This fee is not dictated by Aldermore but by your Roundhay solicitor. Numerous firms on the Aldermore panel will charge ’dealing with mortgage’ fee and others do not.
I have paid off my mortgage with Co-operative. I assume I don't need a Roundhay conveyancer on the Co-operative panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Co-operative 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 Co-operative mortgage from the register. Co-operative, 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 Co-operative has sent the Land Registry the discharge electronically, and
- Co-operative has instructed the Land Registry to do so
My partner and I are planning on selling our home in Roundhay and the buyers lawyers are claiming that there is a possibility that the property was constructed on contaminated land. A high street Roundhay conveyancer would know that there is no such problem. For the life of me I don't know why the purchasers are using an online conveyancing outfit as opposed to a conveyancing solicitor in Roundhay. We have lived in Roundhay for six years we know that this is a non issue. Should we contact our local Authority to obtain confirmation need.
It would appear that you have a conveyancing lawyer currently acting for you. Are they able to advise? You must 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 illness)
I purchased a semi-detached Victorian property in Roundhay. Conveyancing solicitor acted for me and Chelsea Building Society. I happened to do a free search for it on the Land Registry database and there are two entries: the first freehold, the second leasehold under the matching property. I thought I was buying a freehold how can I check?
You need to review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Roundhay and other areas of 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 buyers. You can also question the situation with the conveyancing solicitor who conducted the conveyancing.
How does conveyancing in Roundhay differ for newly converted properties?
Most buyers of new build premises in Roundhay come to us having been asked by the builder to sign contracts and commit to the purchase even before the house is ready to move into. This is because new home sellers in Roundhay 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 property lawyers 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 Roundhay or who has acted in the same development.
I decided to have a survey completed on a property in Roundhay before retaining lawyers. I have been informed that there is a flying freehold element to the house. My surveyor has said that some banks may refuse to give a loan on a flying freehold premises.
It depends who your proposed lender is. Santander has different instructions for example to Nationwide. Should you wish to call us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Roundhay. Conveyancing may be slightly more expensive based on your lender's requirements.