I plan on buying a flat in West Harrow. My Solicitor is not listed on the mortgage company solicitor list. Is it possible for me to appoint my West Harrow conveyancing solicitor notwithstanding that they are excluded from the mortgage company panel of approved conveyancing solicitors?
You have numerous alternatives available to you here
- Complete the deal with your preferred West Harrow property lawyer but your mortgage company will need to use a conveyancing practitioner from their approved list. The net result is additional charges and likely delay.
- Get a fresh property lawyer to conduct the conveyancing, making sure they are on the bank conveyancing panel.
- Convince your solicitor to do everything possible to join the bank’s panel of solicitors
Finally the sale completed on my house in West Harrow last February but our buyer keeps whats apping daily to moan that her lawyer is waiting to hear from myconveyancer. What should have happened now that I have sold?
Following your house sale your conveyancer should deliver the transfer deeds and all supplemental paperwork to the buyer’s conveyancer. Where relevant, your lawyer must also evidence that the mortgage has been repaid to the purchasers lawyers. There is unlikely to be post completion steps unique to conveyancing in West Harrow.
My uncle passed away 10 months ago and as sole heir and executor I was left the house in West Harrow. The house had a relatively small loan left on it of around £4500. I want to have the title changed into my name whilst I re-mortgage to Clydesdale, pay off the mortgage. Is this allowed?
Where you plan to refinance then Clydesdale will insist on your using a conveyancer on the Clydesdale 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 Clydesdale 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 Clydesdale mortgage is registered as a charge at the Land Registry.
My colleague suggested that where I am purchasing in West Harrow I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is usually quoted for as part of the standard West Harrow conveyancing searches. It is not a small report of more than thirty pages, listing and detailing significant information about West Harrow around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the West Harrow Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Local Education with plans and statistics, Local Amenities and other useful information concerning West Harrow.
How does conveyancing in West Harrow differ for newly converted properties?
Most buyers of new build property in West Harrow contact us having been asked by the seller to sign contracts and commit to the purchase even before the residence is constructed. This is because builders in West Harrow usually buy the land, 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 conveyancing solicitors 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 accustomed to new build conveyancing in West Harrow or who has acted in the same development.
I'm refinancing my primary home to a BTL loan with Skipton Building Society and intend to use the remaining equity as a deposit on further property. The area we are talking about is West Harrow. Will your conveyancers be able to act for both sets of mortgage companies and link together the conveyances?
Make use of our search tool on this page to ensure that the lawyers are approved by both banks. On the basis that they are your solicitor should be able to connect the two conveyancing matters but you should have a chat with you conveyancer and make clear your desired outcome and needs.