What is the first thing I need to know concerning purchase conveyancing in West Harrow?
You may not hear this from too many lawyers but conveyancing in West Harrow or throughout England and Wales is often a confrontational process. In other words, when it comes to conveyancing there is lots of room for conflict between you and other parties involved in the house moving process. For example, the seller, estate agent and on occasion a bank. Appointing a solicitor for your conveyancing in West Harrow should not be taken lightly as your conveyancer is your adviser, and is the ONLY party in the process whose responsibility is to protect your legal interests and to keep you safe.
We are witnessing a distinct ongoing adversarial element to conveyancing- someone has to be blamed for the process taking so long. We recommend that you must always trust your solicitor ahead of the other players when it comes to the legal assignment of property.
What is the best way to find out if the solicitor carrying out my conveyancing in West Harrow is on the lender’sconveyancing panel? I am looking to avoid the situation of having one lawyer for me and one for Godiva Mortgages Ltd thus paying £175.00 in another set of legal charges.
Feel free to make the most of the search tool on this site. Please choose the lender and type ‘West Harrow’ or your location and you will see a number of lawyer located in West Harrow or nearest you.
We are buying a house in West Harrow. It might be a silly question but how we can trust a lawyer? On completion day we will need to send funds into their account. What is the protection we have from them run away with our monies?
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.
Completion of my remortgage has taken place for my property in West Harrow. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
Almost all banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
I have finally had an offer on an apartment in West Harrow agreed to, but there is a chain. The sellers have offered on on an apartment, however it’s not yet agreed to, and are looking at other apartments booked. I have chosen a nearby conveyancing solicitor in West Harrow. What should be my next step? When do I get the mortgage application with TSB going?
It is usual to have anxieties where there is a chain as you are unlikely to want to be too out of pocket prematurely (mortgage application is approx one thousand pounds, then survey, West Harrow conveyancing search charges, etc). The first thing to do is check that your conveyancer is on the TSB approved list. As to the subsequent stages this very much dictated by the uniqueness of your transaction, attraction to this property and on the state of the market. In a buoyant market some buyers would apply for a home loan with TSB and arrange for the valuation and only if it was satisfactory would they request their conveyancing practitioner to move forward with the conveyancing in West Harrow.
Do I need to take out insurance to protect me from financial exposure to chancel repairs when purchasing a property in West Harrow?
Unless a prior purchase of the house took place post 12 October 2013 you may expect conveyancing practitioners conducting conveyancing in West Harrow to continue to recommend a chancel search and or insurance against a claim.
I am looking for a flat up to £305k and identified one round the corner in West Harrow I like with a park and transport links in the vicinity, the downside is that it's only got 52 years unexpired on the lease. There is not much else in West Harrow in this price bracket, so just wondered if I would be making a grave error purchasing a lease with such few years left?
If you require a home loan the shortness of the lease will likely be a potential deal breaker. Reduce the price by the amount the lease extension will cost if it has not already been discounted. If the existing owner has owned the premises for at least 2 years you could request that they commence the lease extension formalities and then assign it to you. You can add 90 years to the existing lease term and have £0 ground rent by law. You should speak to your conveyancing solicitor concerning this.
My wife and I purchased a leasehold house in West Harrow. Conveyancing and Bank of Scotland mortgage organised. A letter has just been received from someone saying they have taken over the reversionary interest in the property. It included a ground rent demand for rent dating back to 1998. The conveyancing solicitor in West Harrow who acted for me is not around. Do I pay?
The first thing you should do is contact HMLR to be sure that this person is indeed the registered owner of the freehold reversion. It is not necessary to incur the fees of a West Harrow conveyancing lawyer to do this as it can be done on-line for £3. Rest assured that regardless, even if this is the legitimate landlord, under the Limitation Act 1980 no more than 6 years of rent can be collected.
I own a first floor flat in West Harrow. Given that I can not reach agreement with the landlord, can the Leasehold valuation Tribunal determine the sum due for the purchase of the freehold?
Absolutely. We are happy to put you in touch with a West Harrow conveyancing firm who can help.
An example of a Lease Extension decision for a West Harrow residence is flat 93b Welldon Crescent in May 2009. The Tribunals valuation for a 90-year lease extension of this fat was £13,171 This case was in relation to 1 flat. The unexpired lease term was 75.25 years.