I am thinking of refinancing my flat in Upper Clapton, 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.
We are purchasing a end of terrace house in Upper Clapton. We would like to carry out an extension to the side at the property.Will the conveyancing process involve checks to determine if these alterations were previously refused?
Your property lawyer will check the registered title as conveyancing in Upper Clapton can sometimes reveal restrictions in the title deeds which prohibit categories of alterations or need the permission of another owner. Certain works call for local authority planning permissions and approval in compliance with building regulations. Certain areas are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. It would be prudent to check these things with a surveyor prior to committing yourself to a purchase.
Please help - my lawyer says that restrictive coveneant insurance is needed on my purchase. What is the level of cover for Upper Clapton conveyancing?
The appropriate level of restrictive coveneant indemnity insurance should be dictated by who who your lender is. It would differ for example between Birmingham Midshires and The Royal Bank of Scotland. Conveyancing solicitors as opposed to members of the public take out such insurances.
Intending to buy a house in Upper Clapton. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the RBS conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Upper Clapton lawyer is on the RBS conveyancing panel.
Various online forums that I have visited warn that are the number one reason for obstruction in Upper Clapton house deals. Is this right?
The Council of Property Search Organisations (CoPSO) published determinations of research by MoveWithUs that conveyancing searches do not feature amongst the common causes of delays during the legal transfer of property. Searches are not likely to be the root cause of slowing down conveyancing in Upper Clapton.
I have justbecome aware that Stirling Law have been shut down. They carried out my conveyancing in Upper Clapton for a purchase of a freehold house 10 months ago. How can I be sure that the property is not still registered in the name of the previous owner?
The easiest way to check if the premises is in your name, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Upper Clapton conveyancing specialists.
I decided to have a survey done on a property in Upper Clapton in advance of appointing solicitors. I have been informed that there is a flying freehold element to the house. The surveyor has said that some mortgage companies tend refuse to give a mortgage on a flying freehold property.
It varies from the lender to lender. Santander has different instructions for example to Nationwide. If you contact us we can check with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Upper Clapton. Conveyancing will be smoother if you use a solicitor in Upper Clapton especially if they are acquainted with such properties in Upper Clapton.
Am I better off to choose a Upper Clapton conveyancing solicitor in close proximity to the house I am buying? We have a good friend who can deal with the legal work but they are based approximately 350miles drive away.
The benefit of a high street Upper Clapton conveyancing firm is that you can drop in to sign paperwork, deliver your ID and apply pressure on them where appropriate. They will also have local insight which is a benefit. That being said it's more important to get someone that will pull out all the stops for you. If other friends have used your friend and on the whole were happy that must surpass using an unknown Upper Clapton conveyancing lawyer solely due to them being Upper Clapton based.