My uncle passed away six months ago and as sole heir and executor I was left the house in Oswestry. The house had a relatively small loan left on it of around £5k. I want to have the title changed into my name whilst I re-mortgage to TSB, pay off the mortgage. Is this allowed?
If you plan to refinance then TSB will require that you use a conveyancer on the TSB 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 TSB 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 TSB mortgage is registered as a charge at the Land Registry.
Me and my brother have a renovated Georgian property in Oswestry. Conveyancing practitioner acted for me and Halifax. I happened to do a free search for it on the Land Registry database and there are a couple of entries: one for freehold, the second leasehold with the exact same property. If a house is not a freehold shouldn't I have been informed?
You need to read 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 Oswestry and other locations in 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 purchasers. You can also question the situation with the conveyancing practitioner who conducted the conveyancing.
I'm remortgaging my existing property to a BTL mortgage with Barclays and intend to use the remaining equity as a down payment on a second property. The location we are talking about is Oswestry. Will your lawyers be able to act for both sets of mortgage companies and link together the two deals?
Make use of our search tool on this site to check that the solicitors are approved by both lenders. Having checked that they are the solicitor should be able to connect the two deals but you should have a chat with you solicitor and communicate your desired outcome and needs.
As co-executor for the will of my grandfather I am selling a house in Neath but reside in Oswestry. My conveyancer (based 200 kilometers from mehas requested that I sign a stat dec ahead of completion. Could you suggest a conveyancing lawyer in Oswestry who can attest this legal document for me?
strictly speaking you are unlikely to be required to have the documents attested by a conveyancing solicitor. Normally or notary public or solicitor will be fine regardless of whether they are Oswestry based
20 days into purchasing a residence in Oswestry. Conveyancing solicitor has told us the title is "Leasehold". Should this adversely affect our mortgage valuation?
Oswestry conveyancing does not ordinarily involve leasehold houses. The main factor here is the unexpired lease term and the ground rent. If it's 999 years with a peppercorn rent, it's essentially freehold, so it shouldn't impact the value too much.
At the other extreme, if it's, say, fifty five years it is bound to have a material impact on the saleability, and probably wouldn't be mortgageable. The remaining lease term and ground rent will be set out in the lease provided to your conveyancing practitioner.