I have given 8 weeks notice to my existing landlord and have to vacate my rented apartment in Southgate by 7/10/2026. Conveyancing for my house purchase is underway. Can I complete in 4 weeks as don't want to have to find short term accommodation?
It is unwise to give notice on a rental unless you have exchanged. Assuming that you have not previously done so, update to your conveyancer and request that they seek the assistance the owners lawyers, try to get a realistic time scale from them that everyone will look towards
How do I discover of the solicitor handling my conveyancing in Southgate is on the lender’sapproved panel? I am looking to avoid the situation of having one lawyer for me and one for HSBC Bank thus paying £187.00 plus VAT in another set of conveyancing bill.
You should make use of the search tool on this page. Pick the lender and type ‘Southgate’ or your location and you will discover a number of lawyer located in Southgate or near you.
I am buying a property in Southgate. A rare aspect is that the roof has a solar panel. Co-operative have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As your lender is Co-operative your lawyer must comply with the conveyancing requirements set out in Part 2 of UK Finance Lenders’ Handbook for Co-operative. The CML Handbook stipulates minimum provisions for solar panel roof-space leases, and property lawyers are required to report to Co-operative where a lease fails to comply with these provisions. The conditions relate to the installation of panels on properties nationwide and is not limited to Southgate.
I have today made my last payment due on my mortgage with Barclays. I assume I don't need a Southgate conveyancing practitioner on the Barclays panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Barclays mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Barclays mortgage from the register. Barclays, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Barclays has sent the Land Registry the discharge electronically, and
- Barclays has instructed the Land Registry to do so
UBS have agreed my home loan in principle, my offer on a flat in Southgate has been accepted, what are the next steps?
Your property agent will want to know who your solicitors are (be sure the property lawyers are on the lender’s approved list). Contact UBS or the financial adviser and complete any outstanding documentation. UBS will appoint a valuer who will get in touch with the estate agent or owners to arrange an appointment. Once conducted (assuming no problems) it takes approximately a fortnight for the mortgage offer to be issued. UBS will issue the offer to you and your lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Southgate.
I am purchasing my first flat in Southgate with a loan from Birmingham Midshires. The builders would not move on the price so I negotiated 6k of extras instead. The property agent told me not to tell my lawyer about this side-deal as it will put at risk my loan with the lender. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
How do I use the search tool to find a conveyancing solicitor in Southgate on the authorised to act for my lender?
Step one is to select a mortgage company such as HSBC Bank, Leeds Building Society or Alliance & Leicester then type in your preferred area a common one being Southgate. Conveyancing firms in Southgate and further afield will then be identified.
Is there a reason that Southgate conveyancing fees are more expensive for leasehold and freehold properties?
When purchasing a leasehold property there is more work involved purely due to the fact that usually there are further parties involved in the form of the freeholder and/or Management Agents. As part of a lawyers enquiries they will check that all ground rent and service charges are paid up to date amongst other general leasehold matters. For this reason, the Sellers lawyers usually have to refer to the freeholder or Managing Agent for their replies to our questions. This may be time consuming and beyond the lawyers control