Can the conveyancing solicitors via your comparison service perform conveyancing in Saltdean by way of an attended exchange?
We do have a number of conveyancing experts who can conduct personalised exchanges. Please e-mail us to get a conveyancing quote and details as to dates.
This question may be naive but I am unexperienced as a 1st time purchaser of a ground floor flat in Saltdean. Do I pick up the keys to the premises on the completion date from my solicitor? If this is the case, I will appoint a High Street conveyancing solicitor in Saltdean?
On the day of completion you do not need to go to the conveyancers office in Saltdean. Your solicitors will electronically transfer the purchase money to the seller's solicitors, and shortly after the monies have arrived, you should be invited to receive the keys from the selling Agents and start moving into the property. This tends to happen between 1 and 3pm.
I have today made my last payment due on my mortgage with Barclays. I assume I don't need a Saltdean property lawyer on the Barclays panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Barclays 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 Barclays mortgage from the register. Barclays, 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 Barclays has sent the Land Registry the discharge electronically, and
- Barclays has instructed the Land Registry to do so
It is not clear whether my lender obliges me to make sure the lease term for the flat is extended prior to the completion date. I have telephoned my Saltdean bank branch on numerous occasions and was advised it wasn't a problem and they would lend. My Saltdean conveyancing solicitor - who is on the lender conveyancing panel- called and was told they will not lend based on their specific requirements. I simply don't know who is right.
The conveyancing practitioner must follow the CML Handbook section two specifications for your bank. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
I have been told that property searches are the primary cause of delay in Saltdean house deals. Is there any truth in this?
The Council of Property Search Organisations (CoPSO) has noted the conclusions of a review by MoveWithUs that conveyancing searches do not feature within the top 10 causes of delays during the legal transfer of property. Searches are unlikely to be the root cause of delay in conveyancing in Saltdean.
The deeds to my property can not be found. The solicitors who dealt with the conveyancing in Saltdean 10 years ago no longer exist. What are my next steps?
As long as the title is registered the details of your proprietorship will be retained by the Land Registry with a Title Number. It is possible to conduct a search at the Land Registry, find your property and get up to date copies of the Registered Entries for a small fee. Where the property is Leasehold then the Land Registry will in most cases retain a file duplicate of the Registered Lease and again, a copy can be obtained for £20 inclusive of VAT.
I've recently found out that there is a flying freehold issue on a property I have offered on a fortnight ago in what was supposed to be a quick, chain free conveyancing. Saltdean is the location of the property. Is there any advice you can give?
Flying freeholds in Saltdean are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Saltdean you must be sure that your lawyer goes through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Saltdean may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
Am I better off to instruct a Saltdean conveyancing practitioner who is local to the property I am purchasing? I have an old university friend who can handle the conveyancing but his firm is located 200miles drive away.
The benefit of a high street Saltdean conveyancing firm is that you can visit the firm to sign documents, present your identification documents and apply pressure on them where appropriate. Having local Saltdean know how is a bonus. However nothing is more important than finding someone that will pull out all the stops for you. If if people you trust instructed your friend and they were content that should surpass using an unfamiliar Saltdean conveyancing solicitor solely due to them being based in the area.