I am thinking of mortgaging my apartment in Berkhamsted, does my lawyer have to be on the UBS Solicitor panel?
In theory, you could use a solicitor that is not on the UBS conveyancing panel, but UBS would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same conveyancing matter.
Does a directory service exist listing RBS panel conveyancers in Berkhamsted on the Building Society Association’s Website?
No. There is no such directory service on the CML or Building Society Association websites. Very few mortgage companies make their panel listings open the public on the web. Where you are in need of a Berkhamsted conveyancer on the RBS please use our tool.
I can not work out if my bank obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called into my local Berkhamsted building society branch on various occasions and was told they are content with the situation and they would lend. My Berkhamsted conveyancing solicitor - who is on the lender conveyancing panel- telephoned and was told they refuse to lend in accordance with their specific requirements. I have no idea who is right.
The lawyer has to comply with the Council of Mortgage Lenders’ Handbook section two conditions for your lender. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years remaining.
I've digested plenty of mortgage guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Berkhamsted solicitor - who is on the Lloyds conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Lloyds will need an independent valuation of the property. Your lawyer will not arrange this. Usually Lloyds will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Berkhamsted surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
My relative recommended that where I am buying in Berkhamsted I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
This is a search is usually included in the estimate for your Berkhamsted conveyancing searches. It is not a small report of about 40 pages, listing and setting out significant information about Berkhamsted around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Berkhamsted Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Local Education with maps and statistics, Local Amenities and other useful data about Berkhamsted.
The deeds to our home can not be found. The lawyers who handled the conveyancing in Berkhamsted 5 years ago no longer exist. What do I do?
Assuming you have a registered title the information relating to your ownership will be held by the Land Registry under a Title Number. It is possible to perform a search at the Land Registry, locate your property and obtain up to date copies of the Registered Entries for a small fee. Where the title is Leasehold then the Land Registry will also normally hold a certified copy of the Registered Lease and again, a copy can be obtained for a small fee.
I'm converting the mortgage on my existing home to a buy to let loan with Birmingham Midshires and I will use the rest of the raised equity as a down payment on a second property. The location we are interested in is Berkhamsted. Will your lawyers be able to act for both sets of mortgage companies and tie in the conveyances?
Make use of our comparison tool on this site to check that the lawyers are approved by both banks. Assuming that they are your solicitor will be able to connect the two conveyancing matters but you should have a chat with you solicitor and specify your desired outcome and requirements.
What do I do if I am not happy with the conveyancing practitioner who undertook our conveyancing in Berkhamsted?
We live in an imperfect world, and is is a fact of life that every so often matters do not go as planned. That being said there is recourse where you were unhappy with your conveyancing in Berkhamsted. This varies from trying to resolve matters directly with them, through to reporting a conveyancing practitioner to their governing body. If things still aren’t resolved you may consider getting in touch with the Legal Ombudsman.