I plan on acquiring a flat in Camberley. My Conveyancer is not listed on the mortgage company solicitor list. Is it possible for me to appoint my Camberley conveyancing solicitor even though they are not on the bank panel?
Various options include
- Carry on with your preferred Camberley property lawyer but your lender will undoubtedly instruct a conveyancing practitioner from their approved list. This will result in additional charges together with probable interruption.
- Appoint a new property lawyer to act in the purchase, obviously checking they are on the mortgage company conveyancing panel.
- Convince your solicitor to do everything possible to get listed on the mortgage company conveyancing panel
Is it correct that all Camberley CQS (Conveyancing Quality Scheme) solicitors are on the Barclays conveyancing panel?
It is true that some banks and building societies now utilise the accreditation scheme as the kick off point for Panel membership such as HSBC and Santander. The Law Society’s CQS accreditation however is no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for firms wishing to remain on their panels.
I am due to exchange contracts on my house. I had a double glazing fitted in August 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Santander are being problematic. The Camberley solicitor who is on the Santander conveyancing panel is recommending indemnity insurance as a solution but Santander are requiring a building regulation certificate. Why do Santander have a conveyancing panel if they don't accept advice from them?
It is probably the case that Santander have referred the matter to their valuer. The reason why Santander 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 house 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 RBS 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 conveyancing practitioner is on the RBS 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 completed on a house in Camberley before instructing conveyancers. I have been informed that there is a flying freehold overhang to the property. The surveyor advised that some mortgage companies may refuse to grant a mortgage on such a property.
It depends who your proposed lender is. Bank of Scotland has different requirements for example to Nationwide. Should you wish to telephone us we can investigate further via the appropriate lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Camberley. Conveyancing may be slightly more expensive based on your lender's requirements.
I am thinking of appointing a conveyancing lawyer in Camberley for my purchase. Is there any facility to see a solicitor's complaints history with the legal regulator?
Anyone may find presented Solicitor Regulator Association (SRA) decisions resulting from investigations started on or after 1 January 2008. Go to Check a solicitor's record. To find information Pre 2008, or to check a solicitors record, phone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For callers outside the UK, use +44 (0)121 329 6800. The regulator could monitor telephone calls for training requirements.
My brother purchased his flat in Camberley 9 years ago. He has been wed, divorced and has recently married again. He now wishes to dispose of the Camberley property. I think he will simply be requested to supply copies of his marriage certificates to the conveyancer however he is concerned it will frustrate the sale of the property. Should he appoint a conveyancing practitioner to update the title details for the property?
It is not absolutely necessary to update the register providing you have the evidence required to show how the name change occurred.
The buyer’s conveyancing practitioner should check the title entries and need evidence to prove the change of name for example marriage certificates.