I have given 8 weeks notice to my current landlord and have to vacate my let out property in Bedford by 10/9/2025. Conveyancing for my house purchase has just started. Can I complete in 4 weeks as don't want to have to find temporary accommodation?
It is unwise to provide notice on a rental unless exchange of contracts has taken place. If you have not already done so, speak to your conveyancer and request that they seek the assistance the owners solicitors, try to an acceptable time-line that everyone will look to achieve
My grandfather passed away 10 months ago and as sole heir and executor I was left the house in Bedford. The house had a small mortgage remaining of approximately £4500. I want to have the title changed into my name whilst I re-mortgage to TSB, pay off the mortgage. Is this possible?
Given you intend to refinance then TSB will insist on your using a conveyancer on the TSB 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 TSB 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 TSB mortgage is registered as a charge at the Land Registry.
Is it necessary to pay for insurance to protect me from financial exposure to chancel repairs when buying a residence in Bedford?
Unless a prior purchase of the property took place post 12 October 2013 you can expect solicitors conducting conveyancing in Bedford to remain recommending a chancel search and or chancel repair liability insurance.
The deeds to my home are lost. The solicitors who handled the conveyancing in Bedford 5 years ago have long since closed. What are my next steps?
As long as the title is registered the details of your proprietorship will be held by HMLR under a Title Number. It is easy to execute a search at the Land Registry, identify your house and secure current copies of the Registered Entries for less than a fiver. If the property is Leasehold then the Land Registry will usually hold a certified duplicate of the Registered Lease and again, a copy can be ordered for twenty pounds.
I decided to have a survey carried out on a property in Bedford ahead of appointing solicitors. I have been told that there is a flying freehold aspect to the house. Our surveyor advised that some mortgage companies may not issue a loan on a flying freehold property.
It varies from the lender to lender. Lloyds has different instructions from Nationwide. Should you wish to telephone us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Bedford. Conveyancing will be smoother if you use a solicitor in Bedford especially if they are familiar with such properties in Bedford.