It has come to my attention via my lender that my Hornsea lawyer is not on the bank Solicitor panel. How can I be certain that this is indeed the case?
Your first step should be to call your Hornsea lawyer directly. You lawyer should notify you what has happened. Where they are not on the panel they could put your in touch with solicitors on the approved list of lawyers for your bank.
I have given 2 months notice to my existing landlord and have to be out of my let out property in Hornsea by the end of next month. Conveyancing for my house purchase has just started. Is it possible to complete in a couple of weeks as don't want to have to find short term accommodation?
It is unwise to serve notice for your letting unless you have exchanged. Assuming that you have not already done so, speak to your solicitor and request that they seek the assistance the other side, try to get a realistic time scale from them that everyone will look to achieve
We are purchasing a house in Hornsea. I might seem paranoid but how we can trust a conveyancer? On completion day we will need to put funds into their account. What protection do we have from them run away with our monies?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
This question may be naive but I am unseasoned as FTB of a garden flat in Hornsea. Do I pick up the keys to the premises on the completion date from my conveyancer? If so, I will find a High Street conveyancing solicitor in Hornsea?
There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will electronically transfer the completion advance to the owner’s conveyancers, and once they have received this, you should be called to pick up the keys from the property Agents and start moving into the property. Usually this happens between 1 and 3pm.
The mortgage over my property is with Aldermore for my property in Hornsea. Conveyancing was finalised a year ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Aldermore?
Your original mortgage agreement with Aldermore will provide that you need their approval prior to renting your property as this is likely to be a breach of Aldermore’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 Aldermore directly. It should not be necessary to do this via a Aldermore conveyancing panel firm.
I have todaybecome aware that Stirling Law have closed. They conducted my conveyancing in Hornsea for a purchase of a leasehold flat 18 months ago. How can I check that the property is not still registered in the name of the former proprietor?
The quickest method to check if the premises is in your name, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Hornsea conveyancing specialists.
I've recently found out that there is a flying freehold issue on a house I have offered on two weeks back in what was supposed to be a simple, chain free conveyancing. Hornsea is the location of the property. Can you shed any light on this issue?
Flying freeholds in Hornsea are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Hornsea you would need to get your solicitor to go through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Hornsea 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.