My uncle passed away 10 months ago and as sole heir and executor I was left the house in Marske By The Sea. The house had a relatively small loan left on it of around £5k. I want to have the title changed into my name whilst I re-mortgage to Clydesdale, pay off the mortgage. Is this allowed?
Given you plan to re-mortgage then Clydesdale will require that you use a conveyancer on the Clydesdale conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Clydesdale conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Clydesdale mortgage is registered as a charge at the Land Registry.
I recently had an offer accepted on an apartment in Marske By The Sea. My financial adviser suggested a conveyancer. I paid an on account payment of £150. Shortly after, the conveyancing practitioner called me to say that they were not on the HSBC conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the HSBC panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I was told two weeks ago that my mortgage has been agreed to by Coventry BS. Is it usual for Coventry BS to only issue the offer once my solicitor in Marske By The Sea is approved on their conveyancing panel? Coventry BS have asked my solicitor to see a copy of their Professional Indemnity Insurance Schedule.
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Coventry BS to deal with your lawyer's application to be on the Coventry BS conveyancing panel. There's no guarantee that your solicitor will be accepted.
After shopping around on the internet I have found a Marske By The Sea conveyancer having made sure that they are on the Leeds Building Society conveyancing panel. Does my lawyer arrange the survey of the property?
Leeds Building Society will need an independent valuation of the property. Your lawyer will not arrange this. Usually Leeds Building Society will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Marske By The Sea postcode. As you are getting a mortgage with Leeds Building Society, you could contact them to see if they have a list of approved surveyors in Marske By The Sea.
The deeds to our house can not be found. The conveyancers who conducted the conveyancing in Marske By The Sea 10 years ago are no longer around. What are my options?
These day there are duplicates made of almost everything, and your conveyancer should be aware exactly where to locate all the appropriate documentation so you can purchase or dispose of your property without any difficulty. Where duplicates can’t be located, your conveyancer may be able to put in place insurance or indemnities against future claims on your premises.
I decided to have a survey completed on a property in Marske By The Sea ahead of appointing conveyancers. I have been told that there is a flying freehold element to the house. My surveyor has said that some lenders may not grant a loan on this type of premises.
It varies from the lender to lender. HSBC has different requirements for example to Halifax. Should you wish to telephone us we can check via the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Marske By The Sea. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Marske By The Sea to see if the conveyancing will be more expensive.
What is different about your site and alternative online quote calculators for conveyancing in Marske By The Sea?
At this site obtain a fixed fee costs illustration via a Solicitor or Licensed Conveyancer that understands the nuances for your conveyancing in Marske By The Sea. Unlike many estate agents and many comparison sites we are not in the business of charging firms a commission if you instruct them for your home move in Marske By The Sea