I am hoping to move into my new home in Chandlers Ford next Monday. I have now been asked to send a copy of my building insurance schedule by my solicitor as as she informs me that she is duty bound to validate that it is in order for the bank. What risks does the mortgage company expect the insurance to cover?
All property lawyers on acting for lenders would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in a lender’s UK Finance Lenders’ Handbook instructions. These requirements are not unique to conveyancing in Chandlers Ford.
We are looking to buy a property and need a conveyancing solicitor in Chandlers Ford who is on the Coventry BS approved panel. Could you point me in the right direction as regards a 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 Coventry BS . We don't recommend any particular firms conducting conveyancing in Chandlers Ford.
Are the BSA intent on creating a online directory to list practices on the Norwich and Peterborough Building Society conveyancing panel for instance in Chandlers Ford?
We have not been informed any plans on the part of the BSA to promote such a search facility.
We are getting a further advance on our home loan from Yorkshire BS as we intend to carry out improvements to our house in Chandlers Ford. Do we need to appoint a local Chandlers Ford solicitor on the Yorkshire BS conveyancing panel to deal with the legals?
Yorkshire BS do not ordinarily require firms on their conveyancing panel to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Yorkshire BS panel.
I have paid off my mortgage with Kent Reliance. I assume I don't need a Chandlers Ford conveyancing practitioner on the Kent Reliance panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Kent Reliance mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Kent Reliance mortgage from the register. Kent Reliance, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Kent Reliance has sent the Land Registry the discharge electronically, and
- Kent Reliance has instructed the Land Registry to do so
Intending to buy a maisonette in Chandlers Ford. 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 HSBC 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 Chandlers Ford conveyancer is on the HSBC conveyancing panel.
A colleague suggested that where I am purchasing in Chandlers Ford I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is sometimes quoted for as part of the standard Chandlers Ford conveyancing searches. It is a large report of about 40 pages, listing and setting out important information about Chandlers Ford around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Chandlers Ford Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Local Education with maps and statistics, Local Amenities and other useful information about Chandlers Ford.
What makes your site different to other web based conveyancing solicitors for conveyancing in Chandlers Ford?
At this site receive a conveyancing costs illustration from a Solicitor or Licensed Conveyancer that understands the issues of your conveyancing in Chandlers Ford. Unlike many estate agents and many comparison sites we are not in the business of charging firms a commission if you select them for your property ownership legalities in Chandlers Ford