I was notified recently by my mortgage broker that my Catford solicitor is not on the bank Conveyancing panel. What can I do to check?
You need to call your Catford conveyancer. You lawyer should inform you what has happened. Where they are not on the panel they could put your in touch with solicitors on the approved list of lawyers for your mortgage company.
I have been recommended a conveyancing solicitor in Catford. I need to find out if they are on the Halifax approved list of lawyers. Can you advise?
The first thing you should do is contact the lawyer and ask them whether they are on the lender panel. Alternatively you should call Halifax who may be able to help.
If you had a top tip for choosing a conveyancing solicitor in Catford what would it be?
Do not opt for the lowest Catford conveyancing fees. You really do get what you pay for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you know exactly what you’ll have to pay in advance.
I am the sole beneficiary of my late grandmother’s will and I have everything in my name now, including the my former home in Catford. Conveyancing formalities meant that the Land Registry date was in October. I want to move. I do know about the CML 6 month 'rule', which means that my property ownership could be regarded the same way as though I had purchased the house in October. Will no one buy the property for half a year?
The CML handbook instructs conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be caught by that. Some lenders would take a sensible view as this obligation is principally there to identify the purchase and immediately sell or the wholesaling and assigning of properties.
I am buying a property in Catford. A rare aspect is that the roof has a solar panel. Coventry BS have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that your lender is Coventry BS your lawyer must comply with the formal requirements set out in Part two of UK Finance Lenders’ Handbook for Coventry BS. The CML Handbook contains minimum specifications for solar panel roof-space leases, and solicitors are required to report to Coventry BS where a lease does not satisfy these requirements. The conditions relate to the installation of panels on properties countrywide and is not restricted to Catford.
I am buying a new build apartment in Catford. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.
Set out below is a sample of a few leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Catford
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Please supply a car parking plan. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. There must be mutual enforceability of lessee’s covenants. Please supply evidence that the form of Lease proposed has been approved by the Land Registry.
Due to the input of my in-laws I had a survey completed on a house in Catford ahead of retaining conveyancers. I have been advised that there is a flying freehold aspect to the house. The surveyor has said that some lenders tend refuse to give a loan on such a premises.
It depends who your proposed lender is. Santander has different requirements from Nationwide. Should you wish to call us we can check via the relevant lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Catford. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Catford to see if the conveyancing costs will increase in light of this.
My father has suggested that I instruct his lawyers for conveyancing in Catford. Should I find my own property lawyer?
There are no two ways about it the ideal way to find a conveyancing solicitor is to get guidance from friends or family who have actually used the solicitor you're are thinking of instructing.