I am the only recipient of my late mum's estate and I have everything in my name now, including the house in Winton. Conveyancing formalities meant that the Land Registry date was in December. I want to move. I do know about the Mortgage Lenders 6 month 'rule', meaning my property ownership could be regarded the same way as though I had purchased the property in December. Is the property unsalable for six months?
The Council of Mortgage Lenders’ handbook requires conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be caught by that. How sensible a view mortgage companies take of it, depend on the mortgage company as this requirement chiefly exists to pick up on subsales or the wholesaling and assigning of property.
I am expecting a AIP from Skipton this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Skipton recommend any Winton solicitors on the Skipton conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Winton solicitors independently although you'll need to choose one on the Skipton conveyancing panel. The solicitor represents both you and Skipton through the process.
I am currently in the process of buying my council flat in Winton. I have a mortgage offer with Aldermore. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Aldermore, you will need to appoint a solicitor on the Aldermore conveyancing panel.
My wife and I purchased a renovated Edwardian property in Winton. Conveyancing solicitor acted for me and Accord Mortgages Ltd. I did a free Land Registry search last week and there are two entries: the first freehold, the second leasehold with the exact same property. Is it worth asking Accord Mortgages Ltd to clarify?
You need to review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Winton and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also question the position with the conveyancing practitioner who conducted the purchase.
I'm remortgaging my primary home to a BTL mortgage with Britannia and I will use the ballance of the raised equity as a deposit on another property. The area we are interested in is Winton. Will your solicitors be able to act for both sets of mortgage companies and link together the conveyances?
Make use of our comparison tool on this page to be sure that the conveyancers are approved by both lenders. Assuming that they are your solicitor should be able to connect the two conveyancing matters but you should talk with you lawyer and make clear your desired outcome and needs.
My husband and I are FTB’s - agreed a price, but the agent told us that the owners will only move forward if we instruct their preferred conveyancers as they want an ‘expedited deal’. My instinct tells me that we should use a family solicitor with experience of conveyancing in Winton
It is unlikely the vendors are behind this. Should the seller require ‘a quick sale', taking such a hostile approach to a serious buyer is likely to cause more damage than good. Bypass the agents and go straight to the owners and explain that (a)you are keen to buy (b)you are excited to move forward, with mortgage lined up © you do not need to sell (d) you intend to proceed fast (e)but you will continue to use your preferred Winton conveyancing lawyers - not the ones that will give the estate agent a kickback or achieve conveyancing targets demanded by corporate headquarters.
Been reading online that Winton solicitors are more expensive than licensed conveyancers in Winton to use when buying a house. So is it better if I use a conveyancer or a solicitor if I am purchasing for my home move in Winton.
When it comes to conveyancing in Winton the costs are unlikely to vary dramatically depending on whether the legal expert is a licenced conveyancer or solicitor.