My wife and I are refinancing our penthouse in Uckfield with Skipton. We have a son 19 who lives at home. Our solicitor has asked us to disclose anyone over the age of 17 other than ourselves who lives in the flat. The solicitor has now sent a form for our son to sign, giving up any rights in the event that the flat is repossessed. I have two concerns (1) Is this document specific to the Skipton conveyancing panel as he did not need to sign this form when we remortgaged 5 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?
First, rest assured that your Skipton conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Skipton. This is solely used to protect Skipton if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Skipton had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
I am the sole beneficiary of my late father’s will with all property in now in my sole name, including the my former home in Uckfield. Conveyancing formalities meant that the Land Registry date was in December. I plan to dispose of the property. I understand that there is a CML six month 'rule', which means that my property ownership will be regarded the same way as if I'd bought the property in December. Is the property unsalable for six months?
The Council of Mortgage Lenders’ handbook mandates conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you may be caught by that. How sensible a view lenders take of it, depend on the lender as this obligation is chiefly there to capture subsales or the flipping of property.
Can you point me to a directory of Principality panel solicitors in Uckfield on the Building Society Association’s Website?
Unfortunately not yet. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. A small selection of banks make their panel listings available over the internet. If you are seeking to appoint a Uckfield property lawyer on the Principality please make the most of our facility.
I am buying a property in Uckfield. One unusual aspect is that the roof has a solar panel. Skipton have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that you are obtaining a mortgage with Skipton your lawyer must comply with the conveyancing instructions contained in Section two of UK Finance Lenders’ Handbook for Skipton. The CML Handbook contains minimum requirements for solar panel roof-space leases, and conveyancing practitioners are required to report to Skipton where a lease fails to meet these specifications. The requirements relate to the installation of panels on properties countrywide and is not limited to Uckfield.
Are there restrictive covenants that are commonly picked up during conveyancing in Uckfield?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Uckfield. 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…’
I am looking for a flat up to £195,000 and found one close by in Uckfield I like with a park and station nearby, the downside is that it's only got 61 years unexpired on the lease. I can't really find anything else in Uckfield suitable, so just wondered if I would be making a grave error purchasing a lease with such few years left?
If you require a mortgage the shortness of the lease will be an issue. Discount the offer by the amount the lease extension will cost if it has not already been discounted. If the existing proprietor has owned the premises for a minimum of 2 years you can ask them to commence the lease extension formalities and then assign it to you. You can add 90 years to the existing lease with a zero ground rent applied. You should speak to your conveyancing lawyer regarding this.
I am looking to sell my property. My past solicitors has retired. I am in need of a recommendation of a conveyancing firm. Im based in Uckfield if that makes a difference.
You should use our search tool to help you find a solicitor for your conveyancing in Uckfield. We have connected thousands of home buyers and sellers with lender approved solicitors to ensure that the legalities of their house move goes with a minimum of fuss.
Is it best to choose a Uckfield conveyancing practitioner based in the vicinity that I am buying? An old friend can carry out the legal formalities however his firm is located a couple of hundredmiles drive away.
The primary upside of using a high street Uckfield conveyancing firm is that you can pop in to execute paperwork, present your ID and pester them where appropriate. They will also have local intelligence which is a benefit. That being said nothing is more important than finding someone that will do a good and efficient job. If other friends have used your friend and on the whole were happy that must trump using an unknown Uckfield conveyancing solicitor solely due to them being based in the area.