Housing Main Content We have a key role to play in making sure there is a range of good quality housing in Chorley. There are a number of things we do to achieve this including providing services for local people and also working strategically with our partners to develop strategies and monitor the housing market. We produce the Prevention of Homelessness Strategy along with other key pieces of housing related research, policies and statistics. We do not own or manage any properties as we transferred our stock to Chorley Community Housing in March and so work with Registered Providers RPS to meet local housing need.
It is important to contact more than one solicitor or licensed conveyancer as there is no set scale of fees for conveyancing. Buying with someone else You may choose to buy your property jointly with someone else, such as your husband, wife, civil partner, partner, relative or friend.
If you buy your property with someone else, you can choose to do this in one of two ways, as either: This is the case whether you own the freehold or leasehold of the property.
If you are thinking about buying a property with someone else, you should get legal advice on the best type of ownership for you. Beneficial joint tenants If you own your property as a beneficial joint tenant, this means that it belongs to you Single parent mortgage help uk the other owner s jointly.
You can't re-mortgage or sell the property without the agreement of all the other owner s. However if there is a dispute, an owner can apply for a court order. As a beneficial joint tenant, you don't own specific shares in the property and you can't give away a share of the property in a will.
If you die, your interest in the property passes automatically to the other owner s. Tenants in common If you own your property as tenants in common, this means that it belongs to you and the other owner s jointly, but that you all also own a specific share of its value.
It is up to you to decide how much each share will be. You can give away, sell or mortgage your share. If you die, your share of the property does not pass automatically to the other owner s.
You can leave your share to whoever you like in your will. UK website at www. Steps in the legal work of buying a property Although it is impossible to give a precise idea of how long the legal work involved in buying a property takes, it is possible to offer guidelines.
From having an offer accepted to exchange of contracts can take up to seven weeks and from exchange of contracts to completion can take up to four weeks.
However, if there are any problems the time taken may be longer. However, before the contract can be signed, your solicitor or licensed conveyancer must make sure that there are no problems with the ownership of the property, rights of way, access, or future developments in the area that might affect the property.
The solicitor or licensed conveyancer makes the enquiries and searches as follows: These are enquiries made to the local authority or in Northern Ireland, the appropriate government department about any matters which affect the property which involve the local authority, such as whether there is a compulsory purchase order on the property.
Local searches also include questions about any proposed changes or development in the area that might affect the property such as roads, housing, shops. This gives information about any matter which affects the property such as tree preservation orders, if it is a listed building or in a conservation area; and enquiries made to the seller by the solicitor or, in England and Wales, a licensed conveyancer.
These are a set of standard questions about the property, boundaries, neighbour disputes and fixtures and fittings that will remain in the property. There may also be additional questions that the solicitor or licensed conveyancer thinks are necessary, such as the transferability of guarantees for any work done on the house, for example, a damp proof course; and from the Land Registry.
Arranging to pay the deposit Whilst the solicitor or, in England and Wales, a licensed conveyancer is making the enquiries, you should sort out how you will pay the deposit that has to be made when the contracts are exchanged.
If you are also selling a house, it is usually possible to put the deposit on the property being sold towards the deposit on the property you are buying. If raising the deposit is a problem, you could consider borrowing the money for the deposit from relatives or you could try to get a bridging loan from a bank.
However, the amount of interest you will have to pay for a bridging loan will be high and you should check how much this arrangement will cost. Discuss your options with your solicitor or licensed conveyancer. Insuring the property You should make sure that buildings insurance is arranged from the date of exchange, because once contracts have been exchanged you are responsible for the property.
You may be able to get information on buildings insurance from your mortgage lender, solicitor or, in England and Wales, a licensed conveyancer.
Exchange of contracts The final contract between you and the seller is prepared when: You and the seller each have a copy of the final contract which you must sign.
These signed contracts are then exchanged. At exchange of contracts both you and the seller are legally bound by the contract and the sale of the house has to go ahead. If you drop out, you are likely to lose your deposit. You should make arrangements for the supply of gas, electricity and telephone service and make sure that the seller is arranging for final meter readings to be made.
Completion Completion of the purchase usually takes place about four weeks after exchange of contracts, although it can be earlier. On the day agreed for completion: The solicitor or licensed conveyancer in England and Wales only will usually send their account to you on, or soon after, the completion date.
Buying a home at auction If you are thinking about buying a property at auction, it's best to do some research beforehand. There is a helpful guide on buying a property at auction on the RICS website at www. The right to buy and the Statutory House Sales Scheme Who has the right to buy or the right to a statutory house sale in Northern Ireland You will probably have the right to buy if you are a secure tenant of a social housing landlord, including:However, while these providers are great all-rounders, the best mortgage lender for you will depend on your individual circumstances - for example, some lenders are more willing to give mortgages to self-employed homebuyers, while others specialise in guarantor mortgages or solutions for people with a .
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