We have agreed to purchase a house in Hull West. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Clydesdale be concerned?
Given that you are obtaining a mortgage with Clydesdale your lawyer must check the conveyancing instructions contained in Part 2 of UK Finance Lenders’ Handbook for Clydesdale. The CML Handbook includes minimum requirements for solar panel roof-space leases, and solicitors are required to report to Clydesdale where a lease does not comply with these provisions. The conditions relate to the installation of panels on properties countrywide and is not limited to Hull West.
I have today made my last payment due on my mortgage with UBS. I assume I don't need a Hull West conveyancer on the UBS panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your UBS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the UBS mortgage from the register. UBS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where UBS has sent the Land Registry the discharge electronically, and
- UBS has instructed the Land Registry to do so
I am currently in the process of buying my council flat in Hull West. I have a mortgage agreed with RBS. 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 RBS, you will need to appoint a solicitor on the RBS conveyancing panel.
The deeds to our home are lost. The solicitors who dealt with the conveyancing in Hull West 4 years ago are no longer around. What are my next steps?
As long as you have a registered title the details of your ownership will be recorded by the Land Registry under a Title Number. It is possible to execute a search at the Land Registry, find your house and order up to date copies of the property title for a small fee. Where the property is Leasehold then the Land Registry will also normally retain a certified duplicate of the Registered Lease and again, a copy can be ordered for £20 inclusive of VAT.
Due to the input of my in-laws I had a survey completed on a property in Hull West before appointing solicitors. I have been told that there is a flying freehold overhang to the house. My surveyor advised that some banks will not give a loan on such a home.
It depends who your proposed lender is. HSBC has different instructions for example to Birmingham Midshires. Should you wish to call us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Hull West. Conveyancing will be smoother if you use a solicitor in Hull West especially if they regularly deal with such properties in Hull West.
What makes your site different to alternative web based conveyancing solicitors when it comes to conveyancing in Hull West?
At this site obtain a fixed fee quote via a Solicitor or Licensed Conveyancer that understands the nuances of your conveyancing in Hull West. Unlike many estate agents and many comparison sites we do not have referral arrangements with solicitors. Some agents and online brokers 'recommend' solicitors that pays the most kickback, as opposed to the best value conveyancing in Hull West
We are a fortnight into a residential purchase having been referred to conveyancers by the estate agent to handle our conveyancing in Hull West. We are not happy. Can you help me find new conveyancers?
A lawyer would need to be very poor in order to consider changing them. Has your mortgage offer been sent? In the event that it has you will need to inform them of the new contact details and get the loan are re-issued. Your new conveyancer should be on the lenders panel to avoid added fees and delays. So that should be your starting point. The find a solicitor tool can help you find a lender approved solicitor for your home move in Hull West