My grandmother passed away last year and as sole heir and executor I was left the property in Liversedge. The house had a small mortgage left on it of around £4500. I want to transfer the title deeds into my name whilst I re-mortgage to Barclays, pay off the mortgage. Is this allowed?

If you plan to refinance then Barclays will require that you use a conveyancer on the Barclays 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 Barclays 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 Barclays mortgage is registered as a charge at the Land Registry.

This question may be naive but I am unseasoned as FTB of a two bedroom flat in Liversedge. Do I collect the keys to the house on the completion date from my solicitor? If this is the case, I will find a local conveyancing solicitor in Liversedge?

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 vendor’s lawyers, and shortly after the monies have arrived, you will be called to receive the keys from the selling Agents and move into your new home. Usually this happens early afternoon.

My solicitor has informed me that missing deeds insurance is necessary on my purchase. What is the level of cover for Liversedge conveyancing?

The right level of missing deeds indemnity insurance should be dictated by who who your lender is. It would differ for example between Halifax and Barnsley Building Society. Conveyancing solicitors as opposed to borrowers take out such insurances.

Nottingham have agreed my home loan in principle, my bid on a apartment in Liversedge has been agreed to, what happens next?

Your estate agent will wish to be advised as to your conveyancer's details (ensure that the conveyancers are on the lender’s approved list). Call up Nottingham or the financial adviser and complete any outstanding paperwork. Nottingham will sellect a valuer who will get in touch with the estate agent or seller to book a time for the valuation to take place. Once conducted (assuming no problems) it takes on average a week to receive the mortgage offer. Nottingham will send the offer to you and your property lawyers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Liversedge.

Due to the encouragement of my in-laws I had a survey completed on a property in Liversedge ahead of appointing lawyers. I have been informed that there is a flying freehold aspect to the house. The surveyor advised that some lenders will refuse to grant a loan on a flying freehold property.

It depends who your proposed lender is. Lloyds has different requirements from Birmingham Midshires. Should you wish to call us we can investigate further with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Liversedge. Conveyancing will be smoother if you use a solicitor in Liversedge especially if they are accustomed to such properties in Liversedge.

In my capacity as executor for the will of my uncle I am disposing of a house in Swansea but live in Liversedge. My lawyer (approximately 300 kilometers awayrequires that I execute a statutory declaration ahead of the transaction finalising. Can you recommend a conveyancing practitioner in Liversedge to attest and place their company stamp on the document?

Technically speaking you should not be required to have the documents attested by a conveyancing solicitor. Ordinarily any notary public or solicitor will be fine regardless of whether they are located in Liversedge

Last June I purchased a leasehold house in Liversedge. Am I liable to pay service charges for periods before completion of my purchase?

In a situation where the service charge has already been demanded from the previous lessee and they have not paid you would not usually be personally liable for the arrears. However, your landlord may still be able to take action to forfeit the lease. It is an essential part of leasehold conveyancing for your conveyancer to be sure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.

If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).

Leasehold Conveyancing in Liversedge - Examples of Questions you should consider before buying

Does the lease contain onerous restrictions? For many Liversedge leaseholds the cost for major works are not built into the service charges, although there some managing agents in Liversedge obliged tenants to contribute towards a sinking fund and this is used to offset against major works. Its a good idea to discover as much as you can regarding the managing agents as they can either make living at the property much easier or much more difficult. As the proprietor of a leasehold property you are often at the mercy of the managing agents from a financial perspective and when it comes to practical issues such as the upkeep of the common parts. Ask prospective neighbours what they think of them. In conclusion, find out the dates that the service fees are due to the managing agents and precisely what you get for your money.