We are planning to acquire a flat and require a conveyancing solicitor in Camberley who is on the RBS conveyancing panel. Can you recommend a local firm?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for RBS . We don't recommend any particular firms conducting conveyancing in Camberley.
We are purchasing a 3 bedroom semi in Camberley. We would like to carry out a loft conversion at the property.Will legal investigations on the property involve enquiries to ascertain if these alterations are prohibited?
Your property lawyer should check the deeds as conveyancing in Camberley can sometimes reveal restrictions in the title documents which restrict certain changes or necessitated the consent of another owner. Many additions call for local authority planning permissions and approval in compliance with building regulations. Many locations are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. You should check these issues with a surveyor before you commit yourself to a purchase.
I am currently in the process of buying my council flat in Camberley. I have a mortgage offer with Coventry BS. 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 Coventry BS, you will need to appoint a solicitor on the Coventry BS conveyancing panel.
After weeks of negotiation I have agreed a price on a house in Camberley. My financial adviser recommended their conveyancers. I paid an on account payment of £225. Not long after, the property lawyer contacted me to say that they were not on the Yorkshire BS conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Yorkshire BS panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I purchased a 4 bedroom Edwardian house in Camberley. Conveyancing practitioner acted for me and Leeds Building Society. I did a free Land Registry search last week and I saw a couple of entries: one for freehold, the second leasehold with the exact same property. I thought I was buying a freehold how can I check?
You should assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Camberley and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the position with the conveyancing practitioner who conducted the conveyancing.
I am buying a new build house in Camberley with a loan from Barclays Direct. The builders would not reduce the price so I negotiated 6k of additionals instead. The estate agent suggested that I not disclose to my conveyancer about this deal as it could put at risk my mortgage with the lender. Should I keep quiet?.
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 UK Finance website. UK Finance 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 Camberley prior to instructing conveyancers. I have been informed that there is a flying freehold aspect to the property. Our surveyor has said that some mortgage companies will not issue a loan on a flying freehold property.
It varies from the lender to lender. Lloyds has different instructions for example to Halifax. If you e-mail us we can look into this further via the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used 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 costs will increase in light of this.
Is it best to appoint a Camberley conveyancing lawyer based in the vicinity that I am hoping to buy? I have an old university friend who can handle the legal formalities but his firm is located a couple of hundredkilometers away.
The primary upside of using a high street Camberley conveyancing firm is that you can visit the firm to sign paperwork, hand in your identification documents and apply pressure on them if necessary. They will also have local knowledge which is a bonus. However nothing is more important than finding someone that will do a good and efficient job. If if people you trust instructed your friend and in the main were content that must outweigh using an unknown Camberley conveyancing solicitor just because they are local.