It is is a decade since I acquired my house in Wythenshawe. Conveyancing solicitors have just been appointed on the sale but I can't track down my deeds. Will this cause complications?
Don’t worry too much. First there is a chance that the deeds will be kept by the lender or they may be in the possession of the solicitor who handled the purchase. Secondly the chances are that the title will be registered at the land registry and you will be able to establish that you own the property by your conveyancing solicitors procuring current official copies of the land registers. Most conveyancing in Wythenshawe involves registered property but in the unlikely event that your home is not registered it is more problematic but is not insurmountable.
We are planning to purchase with Darlington Building Society. I went into 3 or 4 high street practices yet am unable to find a Wythenshawe conveyancing firm on the Darlington Building Society panel. Could you help?
You should take advantage of the find a conveyancing panel solicitor tool on this web page. Please choose the building society and type Wythenshawe or your preferred area and you will see a number of lawyer located in Wythenshawe or nearest you.
We are buying a 3 bedroom semi in Wythenshawe. The intention is to carry out a loft conversion at the property.Will legal due diligence on the property include checks to see if these alterations are permitted?
Your conveyancer will review the deeds as conveyancing in Wythenshawe can occasionally reveal restrictions in the title documents which prohibit categories of works or need the permission of a 3rd party. Some additions call for local authority planning permissions and approval in accordance building regulations. Many areas are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. It would be sensible to check these issues with a surveyor before you commit yourself to a purchase.
I am buying a property in Wythenshawe. A rare aspect is that the roof has a solar panel. Bank of Ireland have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As you are obtaining a mortgage with Bank of Ireland your lawyer must follow the conveyancing instructions contained in Section 2 of UK Finance Lenders’ Handbook for Bank of Ireland. The CML Handbook includes minimum specifications for solar panel roof-space leases, and solicitors are required to report to Bank of Ireland where a lease fails to satisfy these specifications. The provisions relate to the installation of panels on properties in England and Wales and is not restricted to Wythenshawe.
I am currently in the process of buying my council flat in Wythenshawe. I have a mortgage offer with Barclays. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Barclays, you will need to appoint a solicitor on the Barclays conveyancing panel.
I am looking for a ground for flat up to £235,500 and found one close by in Wythenshawe I like with open areas and station nearby, however it's only got 51 years on the lease. There is not much else in Wythenshawe 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 mortgage the shortness of the lease will likely be problematic. Discount the offer by the expected lease extension will cost if it has not already been discounted. If the existing owner has owned the premises for a minimum of twenty four months you may request that they commence the lease extension formalities and pass it to you. You can add 90 years to the current lease term with a zero ground rent applied. You should consult your conveyancing lawyer concerning this.
I'm remortgaging my existing property to a BTL mortgage with HSBC Bank and intend to use the remaining equity as a down payment on further property. The neighborhood we are interested in is Wythenshawe. Will your solicitors be able to act for both sets of lenders and link together the transactions?
Make use of our search tool on this page to check that the lawyers are approved by both mortgage companies. On the basis that they are the lawyer should be able to simultaneously deal with the two deals but you should have a chat with you lawyer and make clear your expectations and needs.
We are soon to purchasing a property in Wythenshawe. Can our conveyancer keep our purchase price a secret from sites such as Nestoria. Is this achievable and how?
HMLR by statute are required to disclose price sold information on a register of the title for domestic properties countrywide including premises in Wythenshawe. The register of ownership is a public document, so HMLR would be breaking the law if they did not permit access to the register.
You can make a request of the Land Registry to withhold the amount paid entry yet the response would be a No.