We're in Coventry, First time buyers purchasing with a mortgage (lender is Kent Reliance , and our lawyer is on the Kent Reliance conveyancing panel). How long should the conveyancing process take?

The fact that your lawyer is on the Kent Reliance conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancing practitioner 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.

I am assisting my aunt sell her house in Coventry. Will the conveyancer order an EPC or it is for the owner to see to?

After the demise of Home Information Packs, energy assessments was kept a compulsory part of selling a house. An EPC needs to be to hand before the property is marketed. It is not a task that solicitors ordinarily organise. If you are using a Coventry conveyancing solicitor they may be able to arrange EPC’s due to their relationships with reputable Coventry energy assessors

The formalities of my purchase has taken place for my property in Coventry. Conveyancing was satisfactory but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?

All lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Department at head office. In most cases complaints to a lender are resolved very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.

I was told three weeks ago that my mortgage has been agreed to by Clydesdale. Is it usual for Clydesdale to only issue the offer once my solicitor in Coventry is approved on their conveyancing panel? Clydesdale have asked my solicitor to see a copy of their PI Insurance.

Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Clydesdale to deal with your lawyer's application to be on the Clydesdale conveyancing panel. There's no guarantee that your solicitor will be accepted.

How does conveyancing in Coventry differ for newly converted properties?

Most buyers of new build residence in Coventry come to us having been asked by the seller to sign contracts and commit to the purchase even before the property is finished. This is because house builders in Coventry tend to purchase the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Coventry or who has acted in the same development.

Looking forward to complete next month on a ground floor flat in Coventry. Conveyancing lawyers have said that they report fully next week. Are there areas in the report that I should be focusing on?

Your report on title for your leasehold conveyancing in Coventry should include some of the following:

Who has the liability for repairing the window frames Rent payments - what is payable and when is collected, and be on notice if this will change in the future You should know whether the lease allows you to change or upgrade aspects of the premises- you must be made aware as to whether it relates to all alterations or just structural alteration, and whether permission is mandated necessary Advice concerning the obligations in the lease to pay service charges - in relation to the building, and the wider rights a lessee has

Leasehold Conveyancing in Coventry - Sample of Questions you should ask Prior to Purchasing

How long is the Lease? It would be sensible to enquire if the the lease contains any adverse restrictions in the lease. For instance plenty of leases prohibit pets being permitted in in a block in Coventry. If you like the propertyin Coventry but your cat is not allowed to move with you then you will be presented with a difficult compromise. Are there any major works on the horizon that will likely add a premium to the service costs?

What can I do to discover who owns a house in Coventry?

Provided the premises is registered with the Land Registry, and you have sufficient specifics of the location of the premises, you should be able to see details from the HM Land Registry of the recorded owner for a for less than a fiver.