What is the difference between a licensed conveyancer and conveyancing solicitor in Chesham
There are two types of lawyers who can execute conveyancing in Chesham namely CLC regulated conveyancers or solicitors. Both professionals administer conveyancing services that you need to complete the disposal or acquisition of property. They are both duty bound to handle Chesham conveyancing on similar quality and guidelines so you can be sure that your conveyancing will be properly carried out and that the necessary steps should be correctly taken.
I am due to exchange contracts on my flat. I had a double glazing fitted in April 2006, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Santander are being problematic. The Chesham solicitor who is on the Santander conveyancing panel is happy to accept ‘lack of building regulation’ insurance 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.
I have finally had an offer on a flat in Chesham accepted, but there is a chain. The sellers have offered on a property, however it’s not been accepted yet, and have viewings of other properties in the pipeline. I have chosen a local conveyancing solicitor in Chesham. What should be my next step? At what stage do I apply for the mortgage with Leeds Building Society?
It is usual to have apprehensions where there is a chain as you are unlikely to want to incur costs prematurely (mortgage application is in the region of £1k, then survey, Chesham conveyancing search costs, etc). First, you must ensure that your conveyancer is on the Leeds Building Society conveyancing panel. Regarding the next stages this very much depends on the circumstances of your transaction, desire for this property and on the state of the market. In a hot market many home buyers will apply for a home loan with Leeds Building Society and arrange for the valuation and only if it comes back ok would they pay their property lawyer to proceed with the conveyancing in Chesham.
We are purchasing a property and the conveyancer has raised the issue of Chancel Repair to which the property could be obligated to contribute to given it’s proximity to the area of such a church. He has suggested insurance. Is this really required for conveyancing in Chesham
Unless a prior purchase of the house completed post 12 October 2013 you may assume that lawyers carrying out conveyancing in Chesham to remain encouraging a chancel search and or insurance against a claim.
I am buying a new build house in Chesham benefiting from help to buy. The developers would not move on the price so I negotiated £7000 of additionals instead. The estate agent told me not inform my solicitor about the side-deal as it could adversely affect my loan with the bank. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML 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 guidance of my in-laws I had a survey completed on a house in Chesham before instructing solicitors. I have been informed that there is a flying freehold element to the house. Our surveyor advised that some banks may not give a mortgage on this type of premises.
It depends who your proposed lender is. HSBC has different requirements for example to Birmingham Midshires. Should you wish to call us we can investigate further 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 Chesham. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Chesham to see if the conveyancing will be more expensive.
My partner has recommend that I use his conveyancing solicitors in Chesham. Should I choose my own solicitor?
There are no two ways about it it’s preferable to find a conveyancing practitioner is to get referrals from friends or family who have actually experience in using the firm you're contemplating using.
If instructed can a conveyancer remove someone from the title of my property in Chesham ?
Removing or adding someone to the title of your house is relatively straightforward. You’ll need to appoint a conveyancing practitioner to discuss your legal rights before you can proceed with a transfer of property. Contact us to book a free consultation with one a conveyancing practitioner