As someone clueless as to the Easthampstead conveyancing process what is the number one tip you can impart concerning the home moving process in Easthampstead

Not many law firms or advisers will tell you this but conveyancing in Easthampstead or throughout Berkshire is an adversarial process. Put another way, when it comes to conveyancing there is plenty of opportunity for friction between you and others involved in the house moving process. For example, the vendor, property agent and even potentially a mortgage company. Choosing a lawyer for your conveyancing in Easthampstead should not be taken lightly as your conveyancer is your adviser, and is the ONLY person in the legal process whose interest is to protect your legal interests and to keep you safe.

Every so often a potential adversary may try and persuade you that it is in your interests to do things their way. For example, the property agent may claim to be helping by claiming that your conveyancer is wrong. Or your mortgage broker may try to convince you to do take action that is contrary to your lawyers advice. You should always trust your lawyer above all other parties in the home moving process.

My uncle passed away six months ago and as sole heir and executor I was left the house in Easthampstead. The house had a small mortgage left on it of around £5k. I want to transfer the title deeds into my name whilst I re-mortgage to Nationwide, pay off the mortgage. Is this allowed?

If you plan to refinance then Nationwide will insist on your using a conveyancer on the Nationwide 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 Nationwide 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 Nationwide mortgage is registered as a charge at the Land Registry.

What is the difference between a licensed conveyancer and conveyancing solicitor in Easthampstead

There are many recorded licenced Conveyancers in Easthampstead and Solicitor partnerships in Easthampstead who can assist with your conveyancing It is important to make clear that both are supervised by regulatory bodies with both specialising in the legal aspects of transferring property. They may both also deal with associated property related work such as remortgage conveyancing, lease extensions and transfer of equity conveyancing.

Completion of my purchase has taken place for my property in Easthampstead. Conveyancing was satisfactory but I would like to complain about the lender. How does one go about formally complaining?

Most banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. Ordinarily complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.

After shopping around on the internet I have found a Easthampstead conveyancing practitioner having checked that they are on the Santander conveyancing panel. Does my lawyer arrange the survey of the property?

Santander will need an independent valuation of the property. Your lawyer will not arrange this. Usually Santander 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. You may wish to consider appointing your own Easthampstead surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.

How does conveyancing in Easthampstead differ for new build properties?

Most buyers of new build property in Easthampstead come to us having been asked by the builder to exchange contracts and commit to the purchase even before the house is finished. This is because builders in Easthampstead usually acquire the land, 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 conveyancing solicitors 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 accustomed to new build conveyancing in Easthampstead or who has acted in the same development.

I am in need of some leasehold conveyancing in Easthampstead. Before I set the wheels in motion I would like to find out the remaining lease term.

If the lease is recorded at the land registry - and 99.9% are in Easthampstead - then the leasehold title will always include the short particulars of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.

Easthampstead Conveyancing for Leasehold Flats - Sample of Queries Prior to buying

Is anyone aware of any major works anticipated that will likely increase the maintenance charges? Its a good idea to find out as much as possible concerning the company managing the block as they can either make life much easier or a lot more difficult. Being a leasehold owner you are often in the clutches of the managing agents from a financial perspective and when it comes to day to day matters like the tidiness of the communal areas. Ask other people what they think of their management. Finally, be sure you understand the dates that you are obliged pay the service charge to the managing agents and specifically what you get for your money. The answer will be useful as a) areas may cause problems for the building as the communal areas may begin to deteriorate if repairs remain unpaid b) if the leasehold owners have an issue with the running of the building you will want to have full disclosure