As someone unfamiliar with the Ross On Wye conveyancing process what’s the number one tip you can give me for the ownership transfer in Ross On Wye

You may not hear this from too many lawyers but conveyancing in Ross On Wye or throughout Hertfordshire is often a confrontational process. Put another way, when it comes to conveyancing there exists plenty of opportunity for conflict between you and others involved in the house moving process. For instance, the seller, property agent and even potentially your mortgage company. Selecting a lawyer for your conveyancing in Ross On Wye should not be taken lightly as your conveyancer is your adviser, and is the ONE person in the transaction whose responsibility is to protect your best interests and to keep you safe.

There is a distinct ongoing adversarial element to conveyancing- someone must be at fault for the process taking so long. You must always trust your lawyer above the other parties when it comes to the legal transfer of property.

We're in Ross On Wye, First timers buying with a mortgage (lender is Clydesdale , and our solicitor is on the Clydesdale conveyancing panel). How long should the conveyancing process take?

The fact that your lawyer is on the Clydesdale conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no solicitor should guarantee a timeframe for your conveyancing, due to third parties outside of your control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain.

Yesterday I discovered that there is a flying freehold issue on a property I put an offer in a fortnight ago in what was supposed to be a straight forward, no chain conveyancing. Ross On Wye is where the house is located. Can you shed any light on this issue?

Flying freeholds in Ross On Wye are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Ross On Wye you must be sure that your lawyer goes 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 Ross On Wye may ascertain 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.

Back In 2009, I bought a leasehold house in Ross On Wye. Conveyancing and Nationwide Building Society mortgage organised. A letter has just been received from someone saying they have taken over the freehold. Attached was a demand for arrears of ground rent dating back to 1992. The conveyancing solicitor in Ross On Wye who acted for me is not around. Any advice?

First contact HMLR to be sure that this person is in fact the registered owner of the freehold reversion. You do not need to incur the fees of a Ross On Wye conveyancing practitioner to do this as it can be done on-line for less than a fiver. Rest assured that in any event, even if this is the legitimate landlord, under the Limitation Act 1980 the limitation period for recovery of ground rent is six years.

Leasehold Conveyancing in Ross On Wye - A selection of Questions you should consider before buying

Are any of leasehold owners in arrears of their service charge liability? Is anyone aware of any major works on the horizon that will likely increase the service costs? Is there a share of the freehold?

My sealed bid on house in Ross On Wye was agreed to, but there is a chain. The current proprietors have put an offer on a flat, although it’s not been accepted yet, and has viewings of other properties in the pipeline. I have chosen a nearby conveyancing lawyer in Ross On Wye. What should be my next step? When do I get the mortgage application with Co-operative going with Co-operative?

It is understandable to have concerns where there is an associated chain given your reluctance to be too out of pocket prematurely (home loan application is approx one thousand pounds, then valuation, Ross On Wye conveyancing search costs, etc). The first course of action is to check that your lawyer is on the Co-operative conveyancing panel. Regarding the next stages this very much depends on the uniqueness of your case, desire for the property and on the state of the market. During a buoyant market the majority of home buyers will apply for a home loan with Co-operative and arrange for the survey and only if it comes back ok would they pay their conveyancing practitioner to proceed with the conveyancing in Ross On Wye.