Potential complications re Grandmothers house...?

doughuelas

NAR wrote: »

Use Halifax's complaints procedures, though it may be hard to prove anything, if you don't have anything in writing to confirm your intentions at the time. Nothing ventured, nothing gained though.

Many Thanks

I am in the process of doing this as we speak!

Thanks

D

JimmyTheWig

Am I right in thinking that the OP needs to do nothing unless they want to secure a mortgage on the property or sell it?
Presumably it would be easier and cheaper to get this sorted by the solicitor handling the sale of the house than paying a solicitor to do it as a single job now?

doughuelas

JimmyTheWig wrote: »

Am I right in thinking that the OP needs to do nothing unless they want to secure a mortgage on the property or sell it?
Presumably it would be easier and cheaper to get this sorted by the solicitor handling the sale of the house than paying a solicitor to do it as a single job now?

Hello

Although things are still a bit raw following my Grandmothers death - there have been preliminary discussions between the family that myself and my sister would buy the property from my Dad/Aunts

We were of the opinion that as it would be a cash purchase (no mortgage required) the house would just need to be signed over from my Dad/Aunts to myself and my sister via the land Registry. This would eliminate the family - and ultimately the estate of my Gran - paying estate agent fees/solicitor fees/home report fees etc etc

There are so many fond memories of the property and one of my Grans requests was her ashes be scattered in her garden.

Myself and my sister are not willing to scatter the ashes one day and then bang a 'for sale' sign in the ground the next. It just doesnt sit right with us...

The local council have said that given my Grans circumstances prior to death we have a year before we are liable to pay council tax on the property, so this is by no means a done-deal or something that will be happening quickly

It is just one option that we have discussed, and on the face of it, it would satisfy everyone concerned

So, what we are essentially trying to achieve is - gaining control of the property in a way that is as 'moneysaving' as possible to all concerned

But Halifax's charge over the property may complicate this?

However, I must stress that these are only very early discussions and before we look too much into this, if there is anything obvious that flags up that we may have overlooked I would be greatful of the information

Thanks

D

JimmyTheWig

Sounds like a great plan, OP.

doughuelas wrote: »

the house would just need to be signed over from my Dad/Aunts to myself and my sister via the land Registry.
...
But Halifax's charge over the property may complicate this?

I admit that I don't know anything about how it works, but I would have said that all you need to do is "sign it over" from your dad/aunts, with Halifax's interest noted, to yourself and your sister via the Land Registry.
Normally a solicitor would do this. But if you are willing to do the Land Registry change yourselves without a solicitor then I don't see why you can't do the Halifax bit with the Land Registry yourselves at the same time.

[Personally I'd want a solicitor - no reason for it to cost more than £100 or so, is there, anyone? - to ensure it was done correctly, with or without the Halifax, but that's up to you.]