Much to our surprise we have been advised by our mortgage adviser that my Barnes Cray property lawyer is not on the bank Solicitor panel. What can I do to check?
The sensible course of action for you to take is to contact your Barnes Cray lawyer directly. It is reasonable to expect your lawyer to notify you what has happened. If they are not on the panel they could put your in touch with solicitors on the approved list of lawyers for your bank.
My wife and I have recently appointed a conveyancing solicitor in Barnes Cray. I I would like to check if they are accepted on the TSB approved list of lawyers. Could you advise?
You should phone your conveyancer and ask them whether they can act for the lender. Otherwise you should get in touch with TSB who may be able to help.
How can we tell if a Barnes Cray conveyancing solicitor on the Santander panel is any good?
When it comes to conveyancing in Barnes Cray getting recommendations is a good starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always recommend that you speak with the solicitor handling your transaction.
I am buying a property in Barnes Cray. A rare aspect is that the roof has a solar panel. Santander have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that your lender is Santander your lawyer must comply with the formal requirements contained in Section two of UK Finance Lenders’ Handbook for Santander. The Council of Mortgage Lenders’ Handbook stipulates minimum specifications for solar panel roof-space leases, and solicitors are required to report to Santander where a lease does not meet these specifications. The requirements relate to the installation of panels on properties countrywide and is not isolated to Barnes Cray.
I have decided to exercise my right to buy my property in Barnes Cray off the council. I have a mortgage agreed with Bank of Ireland. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Bank of Ireland, you will need to appoint a solicitor on the Bank of Ireland conveyancing panel.
The deeds to my home can not be found. The conveyancers who dealt with the conveyancing in Barnes Cray 5 years ago no longer exist. What are my options?
You no longer need to have the physical deeds to evidence that you are the registered proprietor of land or property, as the Land Registry have everything they need in a digital format.
I've recently found out that there is a flying freehold element on a property I put an offer in last month in what should have been a quick, chain free conveyancing. Barnes Cray is the location of the property. What do you suggest?
Flying freeholds in Barnes Cray are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Barnes Cray you would need to get your solicitor to go through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Barnes Cray may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
How does the Landlord & Tenant Act 1954 impact my business property in Barnes Cray and how can your lawyers assist?
The 1954 Act provides a safeguard to commercial lessees, granting the legal entitlement to make a request to court for a new tenancy and continue in occupation when the lease comes to an end. There are certain specified grounds where a landlord can refrain from granting a lease renewal and the rules are involved. We are happy to direct you to commercial conveyancing solicitors who use the act for protection and help with commercial conveyancing in Barnes Cray