I had a mortgage agreed in principle with Aldermore. Harold Hill conveyancing lawyers are chosen. How long does it take for Aldermore to issue the offer to the lawyer?
Some lenders take longer than others. Have Aldermore conducted the valuation? Have you advised Aldermore as to your lawyers' details and checked that your lawyers are on the Aldermore conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
We were going to get a DIP from Lloyds this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Lloyds recommend any Harold Hill solicitors on the Lloyds conveyancing panel, or is it better to go independently?
You will need to appoint Harold Hill solicitors independently although you'll need to choose one on the Lloyds conveyancing panel. The solicitor represents both you and Lloyds through the process.
I have finally had an offer on a maisonette in Harold Hill accepted, the sellers do nevertheless have an associated purchase. The owners have offered on a property, however it’s not yet agreed to, and have viewings of other properties in the pipeline. I have instructed a nearby conveyancing solicitor in Harold Hill. What should be my next step? At what stage do I apply for the mortgage with Nottingham?
It is normal to have anxieties where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx one thousand pounds, then valuation, Harold Hill conveyancing search fees, etc). First, you must ensure that your property lawyer is on the Nottingham approved list. As to the next phase this very much dictated by the circumstances of your case, desire for the property and on the state of the market. In a buoyant market the majority of home buyers would apply for the mortgage with Nottingham and arrange for the valuation and only if it was satisfactory would they request their conveyancing practitioner to proceed with the conveyancing in Harold Hill.
I have been told that property searches are the main cause of obstruction in Harold Hill house deals. Is there any truth in this?
The Council of Property Search Organisations (CoPSO) has noted the conclusions of research by MoveWithUs that conveyancing searches do not feature within the top 10 causes of hindrances in the conveyancing process. Local searches are unlikely to feature in any holding up conveyancing in Harold Hill.
Me and my brother have a 4 bedroom Edwardian house in Harold Hill. Conveyancing practitioner acted for me and The Royal Bank of Scotland. I did a free Land Registry search last week and there are a couple of entries: the first freehold, the second leasehold with the exact same address. If a house is not a freehold shouldn't I have been informed?
You should assess 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 Harold Hill and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the situation with the conveyancing solicitor who conducted the purchase.
I've recently found out that there is a flying freehold issue on a house I have offered on two weeks back in what should have been a quick, chain free conveyancing. Harold Hill is where the house is located. What do you suggest?
Flying freeholds in Harold Hill are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Harold Hill you must be sure that your lawyer goes through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Harold Hill may determine 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 premises.
In my capacity as executor for the will of my father I am selling a property in Swansea but reside in Harold Hill. My solicitor (approximately 235 kilometers awayneeds me to sign a stat dec ahead of completion. Could you suggest a conveyancing practitioner in Harold Hill who can attest this legal document for me?
strictly speaking you are not likely to be required to have the documents attested by a conveyancing solicitor. Normally any notary public or solicitor will suffice regardless of whether they are based in Harold Hill