Completed the sale of my flat in Stroud Green last October yet the purchaser is Skype messaging daily to moan that her lawyer needs to hear from mylawyer. What are the post completion sale legalities now that I have sold?
After completion of your sale your conveyancer is obliged to send the transfer deeds and all of the paperwork to the purchaser's solicitors. If applicable, your lawyer must also evidence that the mortgage has been redeemed to the purchasers conveyancers. There are no post completion steps specific conveyancing in Stroud Green.
I am thinking of mortgaging my apartment in Stroud Green, does my lawyer have to be on the Kent Reliance Solicitor panel?
In theory, you could use a solicitor that is not on the Kent Reliance conveyancing panel, but Kent Reliance would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same conveyancing matter.
This question may be naive but I am new to the process as a 1st time purchaser of a two bedroom flat in Stroud Green. Do I pick up the keys to the property on completion from my lawyer? If so, I will appoint a local conveyancing solicitor in Stroud Green?
There is no need to visit the lawyers office on the day of completion. Your solicitors will arrange to send the completion advance to the owner’s conveyancers, and shortly after the monies have arrived, you should be able to pick up the keys from the Estate Agents and move into your new home. Usually this occurs early afternoon.
I am buying a 3 bedroom semi in Stroud Green. Our aim is to convert the garage to a playroom at the house.Will legal investigations on the property involve investigations to ascertain if these works are allowed?
Your conveyancer should review the registered title as conveyancing in Stroud Green will on occasion reveal restrictions in the title documents which prevent categories of alterations or need the permission of another owner. Many additions require local authority planning consent and approval under the building regulations. Some areas are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. It would be wise to check these issues with a surveyor ahead of any purchase.
It is unclear whether my bank requires a lease extension. I have telephoned my Stroud Green building society branch on various occasions and was told it does not affect the mortgage offer and they will lend. My Stroud Green conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned and was told they would not lend in accordance with their published requirements. I simply don't know who is right.
As long as the solicitor is on the bank panel, she or he must follow the Council of Mortgage Lenders’ Handbook specifications for the lender. Unless your lawyer obtains specific confirmation in writing that the lender 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 bank to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
I've recently found out that there is a flying freehold element on a property I put an offer in last month in what was supposed to be a quick, chain free conveyancing. Stroud Green is where the house is located. What do you suggest?
Flying freeholds in Stroud Green are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Stroud Green you would need to get your solicitor to go through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Stroud Green may determine 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 property.
We are 17 days into a residential purchase having been referred to conveyancers by the local agent to do our conveyancing in Stroud Green. I am am extremely dissatisfied with the quality of service. Could you help me find new solicitors?
A conveyancer would need to be really poor to suggest replacing them. Has the loan offer been issued? In the event that it has you will need to make them aware of the new conveyancer and have the mortgage documents are re-sent. The solicitor ideally needs to be on the mortgage company approved list to avoid added costs and complications. So that should be your first question of the new conveyancers. Our find a solicitor tool can help you find a lender approved lawyer for your home move in Stroud Green
Should I stop the direct debit for my mortgage with TSB once a completion date for my home sale in Stroud Green has been set?
You are best advised to keep paying any mortgage payments to TSB pending the mortgage being repaid out of the proceeds of sale as part of your Stroud Green conveyancing.