Can your site be used to locate a Conveyancing solicitor in Braunton even where I’m not purchasing or disposing of a house, for instance where I wish to buy an office in Braunton with a mortgage from Accord Mortgages Ltd?
Our search tool is predominantly there to find domestic conveyancing solicitors in Braunton but we have listed towards the bottom of this page some Braunton commercial conveyancing firms. You should make contact with the solicitors directly to see if they are also authorised to represent Accord Mortgages Ltd
I am currently in the process of buying my council flat in Braunton. I have a mortgage agreed with Barclays. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use 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 Barclays, you will need to appoint a solicitor on the Barclays conveyancing panel.
It is unclear whether my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date. I have telephoned my Braunton building society branch on numerous occasions and was reassured it wasn't an issue and they would lend. My Braunton conveyancing solicitor - who is on the bank conveyancing panel- called and was told they refuse to lend based on their UK Finance Lenders’ Handbook minimum lease term requirements. Who do I believe?
As long as the solicitor is on the lender panel, she or he must comply with the Council of Mortgage Lenders’ Handbook specifications for the lender. Unless your lawyer obtains specific confirmation in writing that the mortgage company 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 lender to contact your lawyer in writing confirming that they will accept the number of years remaining.
I am due to exchange contracts on my apartment. I had a double glazing fitted in August 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Bank of Ireland are being pedantic. The Braunton solicitor who is on the Bank of Ireland conveyancing panel is recommending indemnity insurance as a solution but Bank of Ireland are insisting on a building regulation certificate. Why do Bank of Ireland have a conveyancing panel if they don't accept advice from them?
It is probably the case that Bank of Ireland have referred the matter to their valuer. The reason why Bank of Ireland may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
Are there restrictive covenants that are commonly picked up during conveyancing in Braunton?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Braunton. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I am buying a new build house in Braunton with a loan from Santander. The sellers refused to budge the price so I negotiated five thousand pounds worth of additionals instead. The property agent suggested that I not inform my lawyer about this side-deal as it would impact my mortgage with the bank. Is this normal?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Due to the advice of my in-laws I had a survey completed on a property in Braunton ahead of instructing conveyancers. I have been advised that there is a flying freehold overhang to the house. My surveyor has said that some lenders will refuse to give a mortgage on this type of premises.
It depends who your proposed lender is. Lloyds has different instructions for example to Halifax. If you call us we can look into this further via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Braunton. Conveyancing may be slightly more expensive based on your lender's requirements.
How simple is it to swap solicitor as I have to appoint one who is on the Bank of Ireland conveyancing panel. I was using a family conveyancing solicitor in Braunton round the corner but the firm is not approved by Bank of Ireland
We will our best to assist in finding you a conveyancing solicitor in Braunton on the Bank of Ireland panel. Please note that the law firms that we work with do not pay us a referral fee if you instruct them and are authorised and regulated by the SRA who regulate all conveyancing solicitors in Braunton. Using the find a conveyancing solicitor tool on this site, you can compare charges for conveyancing solicitors in Braunton and throughout England and Wales.