Do I need to have a meeting at the offices of the solicitor to sign the legal charge? If so, I will instruct a firm who offer conveyancing in Thorpe Hesley so that I can pop in to their offices if required.
As opposed to twenty years ago, the vast majority lenders no longer require their conveyancing panel solicitor to witness the mortgagors signature. It will still be necessary for you to supply ID documents and there are still distinct advantages to instructing a locally based practitioner, in your case a conveyancing solicitor in Thorpe Hesley.
Me and my partner are buying a house in Thorpe Hesley. It might be a silly question but how we can trust a lawyer? On the day of competition we have to put funds into their account. What protection do we have from them run away with our money?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
We had selected conveyancers with offices in Thorpe Hesley on the Nottingham solicitor approved list. They are now charging me an additional fee for handling the Nottingham mortgage. Is this an additional conveyancing fee set by Nottingham?
Unfortunately, so long as it is in their Terms of Engagement or estimate then yes your solicitor can charge a fee for this. This fee is not dictated by Nottingham but by your Thorpe Hesley solicitor. Numerous firms on the Nottingham panel will quote ’dealing with mortgage’ fee but some firms include it on their overall fee.
My fiancee and I are at the point of viewing houses in Thorpe Hesley and I am about to put in an offer. Should I already have a solicitor in place at this stage? I intend to finance via a home loan with Skipton.
You should start obtaining conveyancing quotes from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their contact information on to the EA. Given that you are seeking a mortgage with Skipton, ask your prospective lawyers if they are on the Skipton conveyancing panel otherwise they can't do the mortgage legal work.
Me and my brother have a semi-detached Victorian property in Thorpe Hesley. Conveyancing solicitor represented me and Godiva Mortgages Ltd. I did a free Land Registry search last week and I saw a couple of entries: the first freehold, another for leasehold with the exact same address. Is it worth asking Godiva Mortgages Ltd to clarify?
You should review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Thorpe Hesley and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also enquire as to the situation with your conveyancing lawyer who conducted the conveyancing.
How does conveyancing in Thorpe Hesley differ for newly converted properties?
Most buyers of new build or newly converted property in Thorpe Hesley approach us having been asked by the seller to exchange contracts and commit to the purchase even before the premises is constructed. This is because house builders in Thorpe Hesley usually buy the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Thorpe Hesley or who has acted in the same development.
I own a leasehold house in Thorpe Hesley. Conveyancing and The Royal Bank of Scotland mortgage went though with no issue. A letter has just been received from someone saying they have taken over the reversionary interest in the property. Attached was a demand for arrears of ground rent dating back to 1997. The conveyancing solicitor in Thorpe Hesley who acted for me is not around. Any advice?
The first thing you should do is make enquiries of the Land Registry to be sure that this person is indeed the new freeholder. There is no need to incur the fees of a Thorpe Hesley conveyancing lawyer to do this as you can do this on the Land Registry website for £3. You should note that regardless, even if this is the rightful freeholder, under the Limitation Act 1980 no more than 6 years of rent can be collected.
Thorpe Hesley Leasehold Conveyancing - A selection of Queries Prior to Purchasing
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How many years remain on the lease? The prefered form of lease structure is where the freehold interest is owned by the leaseholders. In this scenario the leaseholders enjoy control and notwithstanding that a managing agent is usually retained where the building is larger than a house conversion, the managing agent acts for the leaseholders themselves. Are any of leasehold owners in arrears of their service charge payments?
I bought a flat in Thorpe Hesley last 16/8/2024 and to date it is still not recorded with the Land Registry. It is part of a development site and my solicitor told me that it can take twelve months to register. I have spoken with the Land Registry directly and they say that the initial application was cancelled due to questions not being addressed in time. What can I do?
Call your conveyancer - Where you are unsatisfied with the responses, look up their internal complaints process and escalate your problem to a Complaints Manager. Registrations for Thorpe Hesley conveyancing are not known to be especially complex.