I was advised yesterday by my financial adviser that my Roundhay property lawyer is not on the mortgage company Solicitor panel. How can I be sure that this is correct?
Your first step should be to call your Roundhay conveyancer. It is reasonable to expect your lawyer to advise you of the situation. If they are not on the panel they could put your in touch with solicitors on the approved list of lawyers for your mortgage company.
I'm the single recipient of my late grandmother’s will with all property in now in my sole name, including the house in Roundhay. The Roundhay property was put into my name in December. I plan to dispose of the property. I do know about the CML 6 month 'rule', which means that my property ownership could be treated the same way as though I had purchased the property in December. Do I have to wait half a year to sell?
The Council of Mortgage Lenders’ handbook obliges conveyancers 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 mortgage companies take of it, depend on the lender as this requirement primarily exists to identify the purchase and immediately sell or the flipping of property.
Is there a list of TSB panel conveyancers in Roundhay on the Building Society Association’s Website?
Unfortunately not yet. There is no such facility on the CML or Building Society Association websites. A small selection of mortgage companies make their panel listings viewable on the web. Where you are in need of a Roundhay property lawyer on the TSB please make the most of our facility.
I have paid off my mortgage with Skipton. I assume I don't need a Roundhay conveyancer on the Skipton panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Skipton 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 Skipton mortgage from the register. Skipton, 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 Skipton has sent the Land Registry the discharge electronically, and
- Skipton has instructed the Land Registry to do so
The estate agent has sent us the confirmation of our purchase of a new build apartment in Roundhay. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.
Here is a sample of a few leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Roundhay
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There must be mutual enforceability of lessee’s covenants. Please supply evidence that the form of Lease proposed has been approved by the Land Registry. Please confirm the Lease plans are surveyor prepared. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided.
I decided to have a survey done on a house in Roundhay in advance of appointing solicitors. I have been advised that there is a flying freehold overhang to the property. Our surveyor has said that some lenders tend refuse to issue a mortgage on this type of house.
It depends who your proposed lender is. Bank of Scotland has different instructions for example to Nationwide. If you call us we can look into this further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Roundhay. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Roundhay to see if the conveyancing will be more expensive.
What tools are available to locate a Roundhay solicitor on the HSBC Bank conveyancing panel? I have wheels and am prepared to travel upto 20miles to meet the solicitor.
You can use the tool on this website. Please choose the mortgage company and your location and you will see a number of Roundhay conveyancing lawyers based on proximity. We have detailed some Roundhay conveyancing firms at the bottom of this page and you can telephone them to verify if they are on the HSBC Bank approved list
I am are looking to find a trustworthy conveyancing lawyer in Roundhay to buy a apartment. I really don't want to get ripped off but with plenty Roundhay conveyancing solicitors to pick from...how do I know which one is best to select?
Where you have not instructed a lawyer in the past, a trustworthy recommendation via relatives or friends is a preferable starting point and is often a good indicator of quality. As an alternative option, view the Law Society’s regional record of lawyers in Roundhay or make use of our search tool to select a conveyancing solicitor in Roundhay.