My grandfather passed away 10 months ago and as sole heir and executor I was left the house in Mayfield. The house had a relatively small loan remaining of approximately £5k. I want to have the title changed into my name whilst I re-mortgage to Santander, pay off the mortgage. Is this allowed?
Where you plan to re-mortgage then Santander will insist on your using a conveyancer on the Santander 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 Santander 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 Santander mortgage is registered as a charge at the Land Registry.
We are close to exchanging contracts on the sale of our property in Mayfield and the buyers lawyers are claiming that there is a risk of it being constructed on contaminated land. Any high street Mayfield lawyer would know this is not the case. It does beg the question why the buyers are using a factory type conveyancing outfit as opposed to a conveyancing solicitor in Mayfield. Having lived in Mayfield for many years we know that this is a non issue. Is it a good idea to get in touch with our local Authority to seek clarification need.
It would appear that you have a conveyancing firm currently acting for you. Are they able to advise? You need to check with 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 health insurance to cover that same sickness)
Me and my brother own a 4 bedroom Edwardian house in Mayfield. Conveyancing lawyer acted for me and Nottingham Building Society. I happened to do a free search for it on the Land Registry database and I saw two entries: the first freehold, the second leasehold under the matching property. If a house is not a freehold shouldn't I have been informed?
You should assess 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 Mayfield and other locations in 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 purchasers. You can also question the situation with the conveyancing lawyer who completed the work.
In what way does the Landlord & Tenant Act 1954 impact my business offices in Mayfield and how can you help?
The particular law that you refer to gives security of tenure to business leaseholders, granting the right to make a request to court for a continuation of occupancy when the lease comes to an end. There are limited grounds that a landlord can refrain from granting a lease renewal and the rules are involved. Fees are different for commercial conveyancing. Mayfield is one of the many areas of the UK in which our lawyers have offices
Can you recommend a cheap Mayfield conveyancer for purchasing a flat? A friend suggested one but their quote was £995 plus VAT for a 150k property. That seems a tad expensive. The mortgage company will be Coventry BS.
LenderPanel.com is restricted to being a directory service for conveyancing practitioners who wish to be listed as being on the approved conveyancing panel for Coventry BS in certain locations for example Mayfield . Our intention is not to recommend any particular solicitor.