Is there a reason to instruct a Tower Hill conveyancing company when online alternatives are more affordable?
By all means make sure that you get 2 or 3 like-for-like quotes for conveyancing costs in Tower Hill and you should seek a competitive fee calculation but don’t become consumed with sourcing the cheapest Tower Hill conveyancer. Finding the right conveyancer can be the difference between a seamless and a distressing house move. It is important that you ensure that you have expert guidance from a specialist lawyer. Emails can't take the place of a phone call and are no substitute for a face to face meeting. Our partner firms will allocate you a qualified and trusted conveyancing solicitor that will deal with your conveyancing from start to finish, giving the sort of personalised service that you are unlikely to received from an internet conveyancer. He or She will contact you regularly to update you as to any developments making sure that you are regularly updated. Should it ever be necessary to phone the office you will know who to ask for and they will ensure you are in the know.
I have given 2 months notice to my existing landlord and have to vacate my rented apartment in Tower Hill by 7/8/2025. Conveyancing for my house purchase is progressing. Can I complete in a couple of weeks as don't want to have to move into short term accommodation?
Generally one should not serve notice for your tenancy unless your lawyer suggests that you should. If you have not previously done so, update to your lawyer and request that they cajole the sellers side, try to a target completion date that everyone will look towards
My grandfather passed away last year and as sole heir and executor I was left the property in Tower Hill. The house had a small mortgage left on it of around £4500. I want to transfer the title deeds into my name whilst I re-mortgage to Co-operative, pay off the mortgage. Is this allowed?
Where you intend to refinance then Co-operative will insist on your using a conveyancer on the Co-operative conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Co-operative conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Co-operative mortgage is registered as a charge at the Land Registry.
My wife and I purchasing a 3 bedroom semi in Tower Hill. We would like to an extension at the rear at the house.Will the conveyancing process involve checks to determine if these works are permitted?
Your property lawyer should check the registered title as conveyancing in Tower Hill will occasionally identify restrictions in the title documents which restrict certain changes or necessitated the permission of another owner. Some additions require local authority planning permissions and approval in compliance with building regulations. Some locations are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. You should check these things with a surveyor ahead of any purchase.
I have instructed a Tower Hill conveyancer having made sure that they are on the HSBC conveyancing panel. Does my lawyer arrange the survey of the property?
HSBC will need an independent valuation of the property. Your lawyer will not arrange this. Usually HSBC will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your property lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Tower Hill postcode. As you are getting a mortgage with HSBC, you could contact them to see if they have a list of approved surveyors in Tower Hill.
Clydesdale have agreed my home loan in principle, my offer on a apartment in Tower Hill has been agreed to, now what?
Your estate agent will wish to be informed of your conveyancing practitioner's details (ensure that the conveyancing practitioners are on the bank’s panel). Contact Clydesdale or the financial adviser and complete any outstanding forms. Clydesdale will instruct a valuer who will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about a fortnight for the mortgage offer to be issued. Clydesdale will issue the offer to you and your conveyancing practitioners. The transaction will then take it’s course according the nature and complexity of the conveyancing in Tower Hill.
Should my conveyancer be raising questions about flooding during the conveyancing in Tower Hill.
Flooding is a growing risk for lawyers specialising in conveyancing in Tower Hill. There are those who buy a house in Tower Hill, fully expectant that at some time, it may be flooded. However, leaving to one side the physical destruction, where a property is at risk of flooding, it may be difficult to get a mortgage, adequate building insurance, or dispose of the premises. There are steps that can be taken as part of the conveyancing process to forewarn the purchaser.
Lawyers are not qualified to offer advice on flood risk, however there are a numerous checks that can be undertaken by the purchaser or by their lawyers which should give them a better understanding of the risks in Tower Hill. The conventional set of information sent to a buyer’s lawyer (where the Conveyancing Protocol is adopted) contains a usual inquiry of the seller to find out if the property has historically flooded. In the event that flooding has previously occurred which is not notified by the seller, then a buyer could issue a claim for damages resulting from an inaccurate response. A purchaser’s conveyancers may also conduct an environmental report. This will higlight if there is any known flood risk. If so, further inquiries should be carried out.
Are there restrictive covenants that are commonly picked up during conveyancing in Tower Hill?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Tower Hill. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’