A friend pointed out to me me that in buying a property in Whiteley there could be various restrictions prohibiting external alterations to a property. Is this right?
We are aware of anumerous of properties in Whiteley which have some sort of restriction or requirement of consent to carry out external variations. Part of the conveyancing in Whiteley should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I can not work out if my bank requires a lease extension. I have telephoned my Whiteley building society branch on a couple of occasions and was told it does not affect the mortgage offer and they will lend. My Whiteley conveyancing solicitor - who is on the mortgage company conveyancing panel- called and was told they refuse to lend based on their published requirements. Who do I believe?
Provided that the lawyer is on the lender approved list, they must follow the Council of Mortgage Lenders’ Handbook requirements for the lender. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years remaining.
Our sealed bid on a semi in Whiteley has been accepted, the vendors do nevertheless have a dependent purchase. The owners have put an offer on on an apartment, but it’s not yet tied up, and are looking at other properties booked. I have chosen a local conveyancing solicitor in Whiteley. What do I do now? When do I get the mortgage application with Leeds Building Society started?
It is usual to have apprehensions where there is a chain as you are unlikely to want to be too out of pocket prematurely (mortgage application is in the region of £1k, then valuation, Whiteley conveyancing search charges, etc). First, you must ensure that your conveyancer is on the Leeds Building Society approved list. Regarding the subsequent steps this very much depends on the circumstances of your transaction, motivation for this property and on the state of the market. During a hot market many home buyers would apply for the mortgage with Leeds Building Society and arrange for the valuation and only if it comes back ok would they pay their lawyer to move forward with the conveyancing in Whiteley.
Do commercial conveyancing searches reveal proposed roadworks that could impact a commercial site in Whiteley?
Its becoming the norm that commercial conveyancing solicitors in Whiteley will conduct a SiteSolutions Highways report as it reduces the time that conveyancers invest in sourcing accurate data on highways that impact buildings and development assets in Whiteley. The report provides definitive data on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Whiteley.
For every commercial conveyancing transaction in Whiteley it is critical to investigate the adoption status of roads surrounding a site. The absence of identifying developments where adoption procedures have not been dealt with adequately could result in delays to Whiteley commercial conveyancing deals as well as pose a risk to future plans for the site. These searches are not conducted for residential conveyancing in Whiteley.
My wife and I have a 4 bedroom Georgian house in Whiteley. Conveyancing lawyer acted for me and Barclays Direct. I happened to do a free search for it on the Land Registry database and I saw two entries: one for freehold, another for leasehold with the matching address. I thought I was buying a freehold how can I check?
You need to review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Whiteley and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the position with your conveyancing lawyer who carried out the work.
How does conveyancing in Whiteley differ for new build properties?
Most buyers of new build property in Whiteley come to us having been asked by the housebuilder to exchange contracts and commit to the purchase even before the property is ready to move into. This is because developers in Whiteley tend to purchase the site, 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 used to new build conveyancing in Whiteley or who has acted in the same development.
Due to the guidance of my in-laws I had a survey completed on a house in Whiteley in advance of appointing solicitors. I have been advised that there is a flying freehold overhang to the house. Our surveyor advised that some banks will refuse to grant a mortgage on a flying freehold house.
It depends who your proposed lender is. Lloyds has different instructions for example to Halifax. If you contact us we can check with the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Whiteley. Conveyancing may be slightly more expensive based on your lender's requirements.
The solicitors carrying out our conveyancing in Whiteley has forwarded papers to review that state the land is unregistered with epitome documents. Is it not the case that all properties in Whiteley should be registered?
Whilst most properties in Whiteley are now registered with HM Land Registry there are still some that are unregistered. Any property in Whiteley that has been transferred since the late 1980’s will have been registered at the Land Registry under the compulsory ‘first registration’ scheme. However, if a Whiteley property has not changed hands in that time then it’s likely the old fashioned title deeds will be the only evidence of ownership.Many Whiteley conveyancing solicitors should be capable of dealing with such matters but if any uncertainty prevails the standard advice these days is for the current owners to deal with the registration formalities first and thereafter deal with the sale conveyance - this can though naturally cause a significant delay.