I have given 2 months notice to my existing landlord and have to be out of my rented apartment in Whiston by 12/1/2021. Conveyancing for my house purchase is underway. Can I complete in three weeks as I wish to avoid having to find short term accommodation?
Generally one should not provide notice for your lease unless you have exchanged. Assuming that you have not previously done so, update to your solicitor and urge them to they seek the assistance the other lawyers, try to a target completion date that everyone will aim towards
Do I need to attend the offices of the solicitor to execute the legal charge? If so, I will choose one who does conveyancing in Whiston so that I can attend their offices if necessary.
These days conveyancing panel lawyers for lenders conduct all of the communications through Royal Mail, internet or over phone calls. This means that they can undertake the conveyancing transaction no matter where you live in England or Wales. However you should check if you have the option of visiting the offices of your conveyancing lawyer if you prefer.
We previously instructed conveyancers locally in Whiston on the Skipton solicitor panel. They have just billed me a separate fee for dealing with the Skipton mortgage. Is this a supplemental conveyancing fee specified by Skipton?
Provided it is contained in their Terms of Engagement or Quote then yes your property lawyer is entitled to levy a fee for this. This charge is not set by Skipton but by your Whiston solicitor. Numerous firms on the Skipton panel will quote ’dealing with mortgage’ fee and others do not.
I am buying a property in Whiston. An unusual aspect is that the roof has a solar panel. Santander 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 your lender is Santander your lawyer must comply with the conveyancing instructions outlined in Section two of UK Finance Lenders’ Handbook for Santander. The Council of Mortgage Lenders’ Handbook includes minimum requirements for solar panel roof-space leases, and conveyancers are required to report to Santander where a lease does not meet these requirements. The provisions relate to the installation of panels on properties nationwide and is not isolated to Whiston.
The formalities of my remortgage has taken place for my property in Whiston. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
Most banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Team at head office. In most cases complaints to a lender are sorted out very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
We are buying a property and the solicitor has raised the issue of Chancel Repair for which the property could be obligated to pay because it falls into the area of such a church. She has recommended insurance. Is this really warranted for conveyancing in Whiston
Unless a previous acquisition of the property completed after 12 October 2013 you may expect conveyancing practitioners carrying out conveyancing in Whiston to continue to recommend a chancel search and or chancel repair liability policy.
Are there restrictive covenants that are commonly identified as part of conveyancing in Whiston?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Whiston. 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…’
The estate agent has sent us the confirmation of our purchase of a new build apartment in Whiston. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.
Here is a sample of a few leasehold new build questions that you should expect your new-build leasehold conveyancing in Whiston
-
Please provide evidence that the form of Lease proposed has been approved by the Land Registry. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore. Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified.