We are purchasing a end of terrace house in Chorlton cum Hardy. The intention is to an extension at the rear at the property.Will the conveyancing process involve checks to ascertain if these alterations are permitted?
Your solicitor will review the registered title as conveyancing in Chorlton cum Hardy can on occasion reveal restrictions in the title documents which restrict categories of alterations or need the permission of a 3rd party. Many works require local authority planning permissions and approval under the building regulations. Many locations are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. You should check these issues with a surveyor ahead of any purchase.
The mortgage over my property is with Kent Reliance for my property in Chorlton cum Hardy. Conveyancing has been completed months ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Kent Reliance?
You must advise Kent Reliance prior to renting your property as this is likely to be a breach of Kent Reliance’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Kent Reliance directly. It should not be necessary to do this via a Kent Reliance conveyancing panel firm.
I recently had an offer accepted on a house in Chorlton cum Hardy. My financial adviser pressured me to appoint their lawyer. I paid an advanced payment of £200. A few days later, the conveyancer contacted me to say that they were not on the Coventry BS 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 Coventry BS 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.
How does conveyancing in Chorlton cum Hardy differ for new build properties?
Most buyers of new build property in Chorlton cum Hardy come to us having been asked by the housebuilder to exchange contracts and commit to the purchase even before the premises is completed. This is because builders in Chorlton cum Hardy usually buy the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Chorlton cum Hardy or who has acted in the same development.
Yesterday I discovered that there is a flying freehold issue on a house I have offered on a fortnight ago in what should have been a straight forward, chain free conveyancing. Chorlton cum Hardy is where the house is located. Can you offer any guidance?
Flying freeholds in Chorlton cum Hardy are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Chorlton cum Hardy you would need to get your solicitor to go through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Chorlton cum Hardy may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
Should I be suspicious that third parties that I am dealing with are recommending an online conveyancing firm rather than a High Street Chorlton cum Hardy conveyancing firm?
As is the case with many service providers, often input from relatives can be worth their weight in gold. But there are lots of people with a vested interest in a conveyancing transaction; estate agents, mortgage brokers and banks may recommend conveyancers to use. Sometimes the solicitors might be known to one of the organisations as one of the best in their field, but sometimes there might be a financial incentive behind the endorsement. You have the right to choose your preferred conveyancer. Don't forget that many banks have an approved list of conveyancers you are obliged to use for the lender related work in your transaction.
My uncle has recommend that I instruct his conveyancers in Chorlton cum Hardy. Should I find my own property lawyer?
Much as we are happy to recommend a Chorlton cum Hardy conveyancing lawyer it’s preferable to find a conveyancing practitioner is to get guidance from friends or family who have previously instructed the conveyancer you're considering.