It is a dozen years since I bought my property in Chulmleigh. Conveyancing solicitors have recently been appointed on the sale but I can't track down my title deeds. Will this cause complications?
You need not be too concerned. First there is a possibility that the deeds will be with your mortgage company or they could be in the possession of the lawyers who oversaw your purchase. Secondly in all probability the land will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers obtaining current official copies of the land registers. Nearly all conveyancing in Chulmleigh involves registered property but in the unlikely event that your property is not registered it adds to the complexity but is not insurmountable.
Is it the case that all Chulmleigh solicitor practices on the Leeds Building Society conveyancing panel are overseen by the SRA?
As a firm of solicitors, in order to be on the Leeds Building Society conveyancing panel they would need to be overseen by the SRA. Many lenders do allow licenced conveyancers on their panel in which case such practice would be overseen by the Council of Licensed Conveyancers.
I had a mortgage agreed in principle with Nationwide. Chulmleigh conveyancing practitioners are chosen. How long does it take for Nationwide to forward the offer to the conveyancing practitioner?
There is no definitive answer here. Have Nationwide done the valuation? Have you informed Nationwide as to your lawyers' details and checked that your lawyers are on the Nationwide conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
My offer was accepted on a house in Chulmleigh on 28/10/2024, valuation was booked 4 days later, all came back fine. Solicitor instructed, so all that was missing was my mortgage offer. Having made daily calls to Lloyds and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Lloyds conveyancing panel. Are Lloyds entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Lloyds to deal with your lawyer's application to be on the Lloyds conveyancing panel. There's no guarantee that your solicitor will be accepted.
I understand that there are debates on Chancel Insurance on online forums. Do I require this when purchasing a house in Chulmleigh? or Apparently there is historic law that could mean that homeowners residing in a parish church boundary may be liable to pay for repairs to the chancel in proximity to the church. Is this relevant for conveyancing in Chulmleigh?
Unless a previous purchase of the premises took place after 12 October 2013 you may assume that lawyers carrying out conveyancing in Chulmleigh to remain recommending a chancel search and or chancel repair liability policy.
I am buying a new build house in Chulmleigh with a mortgage from Leeds Building Society. The sellers refused to move on the amount so I negotiated 6k of additionals instead. The house builders rep advised me not to tell my conveyancer about this side-deal as it could jeopardize my mortgage with the lender. Should I keep quiet?.
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.
How do I use the search tool to choose a conveyancing solicitor in Chulmleigh on the approved list for my mortgage?
1st choose a lender such as Accord Mortgages Ltd, The Mortgage Works or Barclays Direct then choose your location for instance Chulmleigh. Conveyancing firms in Chulmleigh and beyond will then be listed.
I require the services of a lender panel solicitor in Chulmleigh. Could you help me?
Unfortunately it’s not apparent why you need a Chulmleigh panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to the lender to find out which solicitors in Chulmleigh are on their panel . If you do find such a firm in Chulmleigh not listed please direct them to our site to list. At a fee of one pound per month it is not expensive to register on the site