After what seems like an age a mortgage offer from Santander for the remortgage of my 2 bedroom apartment is expected any day now. Can you suggest a low cost conveyancing practitioner in Southgate?
You have come to the wrong site to search for the lowest fares for conveyancing solicitors in Southgate. Our aim is to provide cost effective conveyancing but we do not advertise as being the cheapest. Do not be seduced by organisations enticing you with ninety nine pound conveyancing in Southgate. The optimum outcome, in choosing a lawyer for low cost conveyancing, you will get your money’s worth and at worst you will end up paying a lot in extras and still not receive the service required.
My father advised me that in purchasing a property in Southgate there may be various restrictions preventing external changes to a property. Is this right?
We are aware of a number of properties in Southgate which have some sort of restriction or requirement of consent to external changes. Part of the conveyancing in Southgate should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
Is there a list of Aldermore panel conveyancers in Southgate on the Building Society Association’s Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association sites. A small selection of banks make their panel listings visible over the internet. If you are in need of a Southgate conveyancing practitioner on the Aldermore please make the most of our facility.
I am due to exchange contracts on my house. I had a double glazing fitted in January 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Nationwide are being pedantic. The Southgate solicitor who is on the Nationwide conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Nationwide are insisting on a building regulation certificate. Why do Nationwide have a conveyancing panel if they don't accept advice from them?
It is probably the case that Nationwide have referred the matter to their valuer. The reason why Nationwide may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
Due to the advice of my in-laws I had a survey completed on a house in Southgate prior to instructing lawyers. I have been advised that there is a flying freehold aspect to the house. My surveyor advised that some mortgage companies tend not grant a mortgage on such a house.
It varies from the lender to lender. Santander has different requirements for example to Halifax. If you e-mail us we can investigate further via the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Southgate. Conveyancing will be smoother if you use a solicitor in Southgate especially if they are acquainted with such properties in Southgate.
Taking into account that I am about to part with 450k on a property in Southgate I would like to have a conversation with the conveyancer about myhouse move in advance of instructing the firm. Can this be arranged?
We could not agree more - it is our preference to talk to you we do not take any clients on without you first talking to the lawyer who will be doing your property ownership legalities in Southgate.There is no ‘factory style conveyancing’ - every client is unique individual, not a file reference. The solicitors that we put you in touch with believe that the fees you are quoted for your conveyancing in Southgate should be the figure that you end up paying.
I've recently bought a leasehold house in Southgate. Am I liable to pay service charges for periods before my ownership?
Where the service charge has already been demanded from the previous owner and they have not paid you would not usually be personally liable for the arrears. Strange as it may seem, your landlord may still be able to take action to forfeit the lease. A critical element of leasehold conveyancing for your conveyancer to be sure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.
If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).
I have tried to negotiate informally with with my landlord to extend my lease without getting anywhere. Can a leaseholder apply to the Leasehold Valuation Tribunal? Can you recommend a Southgate conveyancing firm to act on my behalf?
Where there is a absentee landlord or if there is disagreement about what the lease extension should cost, under the relevant legislation you can apply to the LVT to decide the premium.
An example of a Freehold Enfranchisement decision for a Southgate flat is 23 Beaconsfield Road in July 2013. The Tribunals decided that the amount payable was £31,203 for the freehold. This case related to 2 flats. The number of years remaining on the existing lease(s) was 70.31 years.
Me and my fiance are about to exchange buying a property in Southgate but as a consequence of wreckage from the recent storms I have negotiated compensation from the owner of £2k by way of a deduction in the price. This was going to be addressed as part of the conveyancing process yet my lender will not permit this. Should they have been notified?
Any solicitor that is on the bank conveyancing panel is duty bound to disclose to the mortgage company of any variations to the sale figure. If you did not allow your lawyer to notify the price change to your bank then they would need to disinstructing themselves from representing you and the mortgage company.