My grandmother passed away 10 months ago and as sole heir and executor I was left the house in Cleckheaton. The house had a relatively small loan remaining of approximately £4500. I want to have the title changed into my name whilst I re-mortgage to Clydesdale, pay off the mortgage. Is this possible?
If you intend 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 require fast conveyancing in Cleckheaton as I am faced with pressure to complete within 4 weeks. A home loan is not required. Is it possible to avoid the conveyancing searches to save fees and time?
If.Given you are not taking a home loan you are at liberty not to have searches carried out although no lawyer would recommend that you don't. With lots of history conveyancing in Cleckheaton the following are instances of issues that can be revealed and therefore affect market value: Enforcement Notices, Outstanding Fees, Overdue Grants, Unadopted Roads,...
I purchased a 4 bedroom Victorian house in Cleckheaton. Conveyancing practitioner acted for me and Birmingham Midshires. I did a free Land Registry search last week and I saw a couple of entries: the first freehold, the second leasehold with the matching property. I thought I was buying a freehold how can I check?
You should read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Cleckheaton and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with buyers. You can also enquire as to the position with the conveyancing solicitor who carried out the work.
I opted to have a survey carried out on a house in Cleckheaton prior to instructing conveyancers. I have been informed that there is a flying freehold element to the house. The surveyor has said that some mortgage companies tend refuse to issue a loan on such a home.
It depends who your proposed lender is. Bank of Scotland has different instructions for example to Birmingham Midshires. Should you wish to telephone us we can look into this further via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Cleckheaton. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Cleckheaton to see if the conveyancing costs will increase in light of this.
We are 3 weeks into a freehold purchase having been referred to solicitors by the high street agent to do our conveyancing in Cleckheaton. I am am extremely dissatisfied with the quality of service. Could you help me find new lawyers?
A lawyer would have to be very bad to suggest changing them. Has the mortgage been issued? In the event that it has you will need to inform them of the new lawyer and get the loan are re-sent. Your conveyancer needs to be on the banks approved list to avoid escalating expenses and frustration. That should be your starting point. The find a solicitor tool can assist you in finding a bank approved solicitor for your conveyancing in Cleckheaton