Much to our surprise we have been informed by our lender that my Ferring lawyer is not on the bank Solicitor panel. How can I check?
The first thing you need to do is to call your Ferring lawyer directly. You lawyer should inform you what has happened. Where they are not on the panel they may recommend you to a Ferring conveyancing firm that is on the approved list of lawyers for your mortgage company.
We are selling our house in Ferring and according to the buyers it appears that there is a possibility that the property was built on contaminated land. A local conveyancer would know that there is no such problem. It does beg the question why the buyers used an online conveyancing firm rather than a conveyancing solicitor in Ferring. We have lived in Ferring for six years we know that this is a non issue. Should we get in touch with our local Authority to get confirmation that the buyers are looking for.
It sounds as though you may have a conveyancing firm currently acting for you. What do they say? You should enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same illness)
I own a 4 bedroom Georgian house in Ferring. Conveyancing lawyer represented me and The Royal Bank of Scotland. I did a free Land Registry search last week and there are a couple of entries: one for freehold, another for leasehold with the matching property. If a house is not a freehold shouldn't I have been informed?
You should review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Ferring and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with buyers. You can also enquire as to the position with your conveyancing solicitor who conducted the purchase.
Over the last few months I have been searching for a flat up to £245,000 and found one near me in Ferring I like with open areas and station in the vicinity, the downside is that it's only got 49 remaining years left on the lease. I can't really find anything else in Ferring in this price bracket, so just wondered if I would be making a mistake buying a lease with such few years left?
Should you require a mortgage that many years may be problematic. Reduce the offer by the amount the lease extension will cost if it has not already been discounted. If the current owner has owned the property for at least twenty four months you can request that they commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the current lease term and have £0 ground rent by law. You should speak to your conveyancing lawyer about this matter.
My cousin has recommend that I instruct his conveyancing solicitors in Ferring. Should I choose my own conveyancer?
No doubt the ideal way to find a conveyancing solicitor is to get guidance from friends or family who have experience in using the solicitor that you are contemplating using.
Should I cancel my mortgage payments with Skipton as soon as a completion date for my sale in Ferring has been set?
No, you must continue paying any mortgage sums to Skipton pending the mortgage being paid off from the proceeds of sale as part of your Ferring conveyancing.