What do I provide to the solicitor on my house sale?
The list of documents required is quite simple, but will be required at different stages of the process (but ideally any forms should be completed and returned on the day of receipt and preferably delivered by hand or email).
- Proof of id
- Title deeds (if you have them; they might be lodged with the solicitor who handled the purchase of the property you are selling, or the mortgage company)
- Fixtures and Fittings Form (TA10)
- Property Information Form (TA6) – information on boundaries, disputes and complaints with neighbours, notices and proposals, alterations and planning consents, building regulations, electricity and gas certificates, guarantees and warranties, insurance, environmental matters affecting the property, rights and informal arrangements, parking, other charges, services, connection to utilities and services, and transaction information
- Copies of documents referenced in the PIF
- Leasehold or shared freehold documents
- Management Information Pack
- Energy Performance Certificate
Providing all this documentation as quickly as possible, as well as responding to arising questions throughout the conveyancing within a couple of hours will help to speed the conclusion of your transaction up considerably.
Which of the lender panels in Hoxton are you on?
We have solicitors who have experience working with many lenders who are Council of Mortgage Lenders-approved. A number of mortgage specialists operate in Hoxton, including Bell Alan Mortgages Ltd, 58 Flamborough Rd, Bridlington, YO15 2JN, Peace Of Mind Financial Solutions Ltd, 8 Falsgrave Rd, Scarborough, YO12 5AT, and Classic Mortgages Hull Ltd, Grange House/Welburn Ct, Bainton, Driffield, YO25 9ND.
What do I do if new and severe damage is found after moving in?
You should reasonably expect the home into which you’re moving to be cleared, clean and without additional damage. Of course, things can happen as removals can chip plaster, scratch or tear wallpaper, etc., but if there is significant damage that was not present before, it would be advisable to talk to your solicitor to see if there is any recourse for you on your seller.
You may also like to think about writing a clause into the contract that money will only be released after a cursory inspection of the premises to confirm that you are happy. This needs to be agreed with the seller’s solicitor, but the expectation is already raised. Beware that, in the chaos of the moving day, you can’t afford to delay things too much, so it’s a fine balance.
My husband and I are purchasing in Hoxton, and would like to find out whether there are many conservation areas.
Buyers in Hoxton should be aware of several local conservation areas. Your property solicitor will advise further, in regard to relevant conservation area restrictions in Hoxton.
Can I change the purpose of use for a purchase as part of the conveyancing procedure?
Putting in a planning request to change the use of part or all of a property is a straightforward process and you can deal directly with the local authority, which authorises plans and requests. However, tying it in with a planned purchase of a property has its own problems, since you don’t yet formally own the property, and the length of time to get through the planning process (with no guarantee of success) will need to be factored into the purchase duration, which the seller may not agree to.
We would advise you to either buy the property and then put in the planning request after completion (or exchange at the very earliest), or buy a property that’s already fit for your purposes. Or you might be lucky to find a property that already has the relevant planning consents in place.
How much is the council tax on a period detached property in Hoxton?
Frequently a conveyancing report on title will contain the relevant Hackney council tax band. Correct rates for homes in Hoxton are tabled at the Hackney local authority website. As of 28/10/2012 rates for all bands are:
- Band A - £870.00
- Band B - £1,015.00
- Band C - £1,160.00
- Band D - £1,305.00
- Band E - £1,595.00
- Band F - £1,885.00
- Band G - £2,175.00
- Band H - £2,610.00
Conveyancing searches (environmental) are all well and good but in light of recent flooding e g the worrying amount of flooding in the UK in April 2012 are they sufficient to ascertain sufficient information about the ever changing Hoxton risk of flooding?
Your lawyer in Hoxton will advise you to apply for property conveyancing searches if the standard searches spots a significant risk of flooding in Hoxton
For extra area background perhaps you could get in touch with a close neighbour.