My fiance and I are acquiring residence in Camberley. My Solicitor is not listed on the mortgage company approved list. Is it possible for me to use my Camberley conveyancing solicitor notwithstanding that they are not on the mortgage company list of approved lawyers?
Various options include
- Carry on with your chosen Camberley property lawyer but your mortgage company will need to retain a conveyancer on their approved list. The net result is additional charges together with likely delay.
- Appoint a new lawyer to act in the purchase, obviously checking they are on the lender conveyancing panel.
- Convince your conveyancing practitioner to pull out all the stops to get listed on the lender’s panel of solicitors
Is it correct that all Camberley CQS (Conveyancing Quality Scheme) solicitors are on the Clydesdale conveyancing panel?
Some major lenders now use CQS as the starting point for Panel approval such as HSBC and Santander. CQS membership however gives no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for solicitors wishing to join their panels.
I am selling my flat. I had a double glazing fitted in January 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Coventry BS are being pedantic. The Camberley solicitor who is on the Coventry BS conveyancing panel is recommending indemnity insurance as a solution but Coventry BS are insisting on a building regulation certificate. Why do Coventry BS have a conveyancing panel if they don't accept advice from them?
It is probably the case that Coventry BS have referred the matter to their valuer. The reason why Coventry BS 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.
Planning on purchasing a apartment in Camberley. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Lloyds conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Camberley solicitor is on the Lloyds conveyancing panel.
Are there restrictive covenants that are commonly identified as part of conveyancing in Camberley?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Camberley. 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 opted to have a survey done on a property in Camberley in advance of instructing lawyers. I have been advised that there is a flying freehold element to the house. The surveyor advised that some mortgage companies will not grant a loan on such a house.
It varies from the lender to lender. HSBC has different instructions for example to Birmingham Midshires. If you call us we can investigate further with the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Camberley. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Camberley to see if the conveyancing will be more expensive.
I am looking for a conveyancing lawyer in Camberley for my house move. Is there any facility to check a solicitor's complaints history with the profession’s regulator?
Anyone may read presented Solicitor Regulator Association (SRA) decisions arising from investigations from 2008 onwards. Go to Check a solicitor's record. For details Pre 2008, or to check a solicitors record, telephone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. International callers, call +44 (0)121 329 6800. The regulator sometimes monitor telephone calls for training reasons.
My mother completed her conveyancing in Camberley 9 years past. She has got married, widowed and has recently married again. She intends to market the property next autumn. I suspect that she will simply be need to provide a copy of the marriage papers to the lawyer but she is anxious it could hold up the house sale. Is it worth updating the land title details for the house?
The is no need to bring up to date the title for the property as long as you have the proof required to show how the change of name has come about.
The purchaser’s conveyancing practitioner should examine the registered details and ask for evidence to prove the change of name for example marriage documentation.