Do lenders provide you with an approved list of Little Mill conveyancing solicitors? How do you know who is on the HSBC conveyancing panel?
Little Mill conveyancing firms themselves provide us confirmation that they are on the HSBC conveyancing panel as opposed to being supplied with a list from HSBC directly.
Forgive me if this question is silly but I am unseasoned as FTB of a ground floor flat in Little Mill. Do I pick up the keys to the property on the completion date from my conveyancer? If this is the case, I will find a High Street conveyancing solicitor in Little Mill?
There is no need to visit the lawyers office on the day of completion. Your solicitors will arrange to send the completion advance to the vendor’s solicitors, and once they have received this, you will be able to receive the keys from the selling Agents and move into your new home. Usually this occurs between 1 and 3pm.
I happen to be the sole beneficiary of my late mum's estate with all property in now in my sole name, including the house in Little Mill. The Little Mill property was put into my name in December. I now wish to sell up. I do know about the Mortgage Lenders 6 month 'rule', meaning my property ownership will be regarded the same way as though I had purchased the house in December. Do I have to wait half a year to sell?
The Council of Mortgage Lenders’ handbook requires conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you might be impacted by that. How sensible a view mortgage companies take of it, depend on the lender as this requirement is principally there to capture subsales or the wholesaling and assigning of properties.
I have paid off my mortgage with Skipton. I assume I don't need a Little Mill conveyancing practitioner on the Skipton panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Skipton 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 Skipton mortgage from the register. Skipton, 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 Skipton has sent the Land Registry the discharge electronically, and
- Skipton has instructed the Land Registry to do so
It has been three months since my purchase conveyancing in Little Mill completed. I have checked the Land Registry site which shows that I paid £150,000 when infact I paid £170,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the asset from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
What is different about your site and alternative online quote calculators when it comes to conveyancing in Little Mill?
At this site receive a conveyancing quote via a Solicitor or Licensed Conveyancer that appreciates the nuances for your conveyancing in Little Mill. As opposed to estate agents and many comparison sites we do not operate referral deals with solicitors. Many agents and online brokers 'recommend' solicitors who pay the most kickback, not the best value conveyancing in Little Mill
I today plan to offer on a house that appears to tick a lot of boxes, at a reasonable price which is making it more attractive. I have just been informed that it's a leasehold as opposed to freehold. I would have thought that there are issues purchasing a house with a leasehold title in Little Mill. Conveyancing lawyers have are about to be appointed. Will they explain the issues?
The majority of houses in Little Mill are freehold rather than leasehold. This is one of the situations where having a local solicitor who is familiar with the area can assist with the conveyancing process. We note that you are purchasing in Little Mill so you should seriously consider looking for a Little Mill conveyancing solicitor and be sure that they have experience in advising on leasehold houses. As a matter of priority you will need to check the number of years remaining. Being a tenant you will not be at liberty to do whatever you want with the house. The lease will likely included provisions such as requiring the landlord’spermission to carry out changes to the property. It may be necessary to pay a maintenance charge towards the upkeep of the estate where the property is located on an estate. Your solicitor will advise you fully on all the issues.