I am hoping to receive a mortgage offer from Halifax. I intend to instruct a Licensed Conveyancer in Charlton. Does the Halifax Solicitor panel exclude Licensed Conveyancers?
The Halifax conveyancing panel is, like many other lenders, represented by the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the CLC.
Have just purchased a probate house at auction in Charlton. Conveyancing is needed. What happens now?
Given that you are now exchanged you now have to appoint a conveyancing lawyer quickly as you now have a fast approaching a fixed date to complete the transaction. All auction property should have a corresponding auction pack. This will likely include evidence of title and search results. Where you are dealing with leasehold property the conveyancing pack should provide a copy of the lease, management information and a sellers leasehold information form and other conveyancing paperwork specific to a leasehold property. You should pass this on to the solicitor working for you as soon as possible. You also need to ensure that your finances are organised to complete the transaction on the set completion date.
I am the single beneficiary of my late father’s estate and I have everything in my name now, including the my former home in Charlton. Conveyancing formalities meant that the Land Registry date was in April. I want to move. I understand that there is a Mortgage Lenders 6 month 'rule', which means that my property ownership will be regarded the same way as if I'd bought the property in April. Do I have to wait half a year to sell?
The Council of Mortgage Lenders’ handbook instructs solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you could be affected by that. How sensible a view mortgage companies take of it, depend on the lender as this requirement is principally there to identify subsales or the flipping of properties.
I am due to exchange contracts on my flat. I had a double glazing fitted in August 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, RBS are being pedantic. The Charlton solicitor who is on the RBS conveyancing panel is recommending indemnity insurance as a solution but RBS are requiring a building regulation certificate. Why do RBS have a conveyancing panel if they don't accept advice from them?
It is probably the case that RBS have referred the matter to their valuer. The reason why RBS 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.
Will commercial conveyancing searches reveal impending roadworks that could impact a commercial premises in Charlton?
Its becoming the norm that commercial conveyancing solicitors in Charlton will order a SiteSolutions Highways report as it reduces the time that conveyancers expend in investigating accurate data on highways that impact buildings and development assets in Charlton. The search result provides definitive information on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Charlton.
For each commercial conveyancing transaction in Charlton it is crucial to investigate the adoption status of roads surrounding a site. Failure to identify developments where adoption procedures have not been dealt with adequately can result in delays to Charlton commercial conveyancing deals as well as pose a risk to future plans for the site. These searches are not conducted for domestic conveyancing in Charlton.
How does conveyancing in Charlton differ for newly converted properties?
Most buyers of new build or newly converted property in Charlton approach us having been asked by the seller to exchange contracts and commit to the purchase even before the property is completed. This is because new home sellers in Charlton usually buy the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Charlton or who has acted in the same development.
Is it possible to change solicitor as I need to appoint a firm on the Halifax conveyancing list. I had appointed a family conveyancing solicitor in Charlton round the corner but the firm is not approved by Halifax
We will our best to assist in finding you a conveyancing solicitor in Charlton on the Halifax panel. Please note that the solicitors that we on the directory do not pay us a referral fee if you instruct them and are regulated by the SRA who regulate all conveyancing solicitors in Charlton. In making use of search facility on this page, you can compare and instruct different solicitors and conveyancers both nationally and in Charlton.
We are 18 days into a residential purchase having been directed to a firm by the local agent to execute conveyancing in Charlton. I am not happy. Can you help me find new lawyers?
A lawyer would need to be really bad in order to consider diss instructing them. Has the loan offer been issued? In the event that it has you must advise them of the new contact details and ensure the offer are issued to the new lawyers. The conveyancer needs to be on the mortgage company approved list to avoid escalating fees and frustration. So that should be your first question of the new conveyancers. The find a solicitor tool should help you find a bank approved solicitor for your conveyancing in Charlton