I am getting a mortgage with Halifax. I intend to enlist the help of a Licensed Conveyancer in South Lambeth. Does the Halifax Conveyancing panel allow for Licensed Conveyancers?
The Halifax approved solicitor list is, like many other lenders, associated to the CML or BSA, open to Licensed Conveyancers regulated by the CLC.
My uncle passed away six months ago and as sole heir and executor I was left the property in South Lambeth. The house had a small mortgage remaining of approximately £8000. I want to transfer the title deeds into my name whilst I re-mortgage to Skipton, pay off the mortgage. Is this allowed?
Where you intend to refinance then Skipton will require that you use a conveyancer on the Skipton 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 Skipton 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 Skipton mortgage is registered as a charge at the Land Registry.
Have purchased a a semi-detached house in South Lambeth , What is the estimated time for the Land Registry to register my proprietorship? My South Lambeth conveyancing solicitor has been very slow, so I want to be sure that my purchase is recorded.
As far as conveyancing in South Lambeth is concerned, registration is no quicker or slower than anywhere else in England and Wales. As opposed to being determined by geographic area, timescales can adjust subject to who lodges the application, whether there are errors and whether the Land registry communicate with any interested parties. Currently in the region of 80% of such applications are fully dealt with within two weeks but occasionally there can be longer delays. Registration takes place after the new owner has moved in to the property thus 'speed' is not typically primary concern yet if it is urgent that the the registration takes place urgently then you or your lawyers could communicate with the Registry to express the reasoning for the application to be prioritised.
I opted to have a survey completed on a house in South Lambeth prior to instructing conveyancers. I have been told that there is a flying freehold overhang to the property. The surveyor has said that some mortgage companies tend not grant a loan on a flying freehold home.
It varies from the lender to lender. HSBC has different instructions for example to Halifax. If you call us we can look into this further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in South Lambeth. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in South Lambeth to see if the conveyancing will be more expensive.
My uncle has recommend that I instruct his conveyancing solicitors in South Lambeth. Should I use them?
Much as we are happy to recommend a South Lambeth conveyancing lawyer the ideal way to choose a conveyancing lawyer is to get referrals from friends or relatives who have previously instructed the solicitor that you are are thinking of instructing.