I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Sutton. My lender is Nationwide Building Society
Nationwide Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 25/4/2024, the requirements read as follows :
I am buying a victorian detached house in Sutton. Our aim is to convert the garage to an office at the property.Will legal work on the property include checks to determine if these alterations were previously refused?
Your property lawyer will check the deeds as conveyancing in Sutton will on occasion identify restrictions in the title documents which restrict certain works or need the permission of a 3rd party. Certain additions call for local authority planning consent and approval in compliance with building regulations. Some locations are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. You should check these issues with a surveyor before you commit yourself to a purchase.
I can not work out if my lender requires a lease extension. I have called my Sutton building society branch on a couple of occasions and was reassured it wasn't a problem and they would lend. My Sutton conveyancing solicitor - who is on the mortgage company conveyancing panel- called and was told they will not lend based on their specific requirements. I have no idea who is right.
The lawyer has to comply with the Council of Mortgage Lenders’ Handbook Part 2 specifications for your bank. Unless your lawyer obtains specific confirmation in writing that the bank 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 remaining.
Our offer on a house in Sutton has been accepted, the sellers do however have a connected purchase. The sellers have offered on on an apartment, but it’s not yet tied up, and are looking at other flats in the pipeline. I have selected a bricks and mortar conveyancing solicitor in Sutton. What do I do now? When should I get the mortgage application with Coventry BS started?
It is normal to have apprehensions where there is a chain as you are unlikely to want to incur expenses too early (home loan application is approx one thousand pounds, then survey, Sutton conveyancing search fees, etc). The first thing to do is ensure that your conveyancer is on the Coventry BS conveyancing panel. As to the subsequent steps this very much depends on the specifics of your case, attraction to this property and on the state of the market. In a buoyant market some buyers would apply for the mortgage with Coventry BS and arrange for the valuation and only if it comes back ok would they pay their solicitor to proceed with searches.
I understand that there are debates on Chancel Insurance on online forums. Am I compelled to take this when buying a house in Sutton? or Apparently there is a law dating back centuries that means some owners of property living in a parish church boundary may be liable to contribute towards maintenance towards the chancel within the church. Is this suitable for conveyancing in Sutton?
Unless a prior acquisition of the house completed post 12 October 2013 you may take it that lawyers carrying out conveyancing in Sutton to remain encouraging a chancel search and or insurance against a claim.
Despite weeks of looking the Title Certificate and documents to my home are lost. The solicitors who did the conveyancing in Sutton 4 years ago no longer exist. What are my next steps?
As long as you have a registered title the information relating to your proprietorship will be evidenced by HMLR with a Title Number. It is easy to execute a search at the Land Registry, identify your house and get up to date copies of the property title for less than a fiver. Where the property is Leasehold then the Land Registry will in most cases hold a file duplicate of the Registered Lease and again, a copy can be retrieved for £20 inclusive of VAT.
Taking into account that I will soon spend £400,000 on a two bedroom apartment in Sutton I wish to have a conversation with the conveyancer concerning thetransaction in advance of giving the go ahead to the firm. Is this something that you can arrange?
This is something that we encourage - it is our preference to talk to you we do not take any clients on without you liaising with the lawyer due to be carrying out your conveyancing in Sutton.There is no ‘factory style conveyancing’ - each client is an important person, not a case reference. The practices that we put you in touch with believe that the figure you are calculated and presented to you for residential conveyancing in Sutton should be the amount on the final invoice that you are charged.
We are in the process of purchasing a house in Sutton. Conveyancing is not complete but we would like have the amount we are are purchasing for confidential from sites such as Zoopla. what can I do to ensure this is not disclosed?
The Land Registry are legally obliged to note price paid data on the official title for residential properties nationwide which includes homes in Sutton. The register of ownership is a public document, so the Land Registry would be breaking the law if they did not grant access to the register.
In essence you can make a request of HM Land Registry to hide the price paid entry yet the response would be in the negative.