I have been recommended a conveyancing solicitor in Clent. I I am struggling to find out whether they are on the Barclays Direct conveyancing panel. Could you or the lender confirm if they are on the panel?
The first thing to do is call the lawyer and ask them if they are on the lender panel. Otherwise you can call Barclays Direct who may be able to confirm.
We are purchasing a detached bungalow in Clent. We would like to carry out an extension to the side at the house.Will the conveyancing process include enquiries to ascertain if these works are allowed?
Your solicitor should review the registered title as conveyancing in Clent will occasionally reveal restrictions in the title deeds which restrict categories of changes or need the permission of another owner. Certain extensions require local authority planning consent and approval under the building regulations. Many areas are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. It would be wise to check these issues with a surveyor prior to committing yourself to a purchase.
My fiancee and I are at the point of looking at flats in Clent and I am now considering a potential offer. Is it premature to have a solicitor in place? I am planning to take a mortgage with Nationwide.
It would be wise to start your search sooner rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their contact information on to the selling agent. Given that you are obtaining a mortgage with Nationwide, make sure you remember to check that your lawyer is on the Nationwide conveyancing panel.
Planning on purchasing a house in Clent. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Nationwide 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 Clent conveyancing practitioner is on the Nationwide conveyancing panel.
Should our conveyancer be making enquiries regarding flooding during the conveyancing in Clent.
Flooding is a growing risk for lawyers dealing with homes in Clent. There are those who acquire a house in Clent, fully expectant that at some time, it may be flooded. However, leaving to one side the physical destruction, where a property is at risk of flooding, it may be difficult to get a mortgage, adequate building insurance, or sell the property. There are steps that can be taken during the course of a house purchase to forewarn the buyer.
Solicitors are not best placed to impart advice on flood risk, however there are a numerous checks that may be initiated by the buyer or by their lawyers which should give them a better understanding of the risks in Clent. The conventional set of property information forms supplied to a buyer’s lawyer (where the Conveyancing Protocol is adopted) contains a usual question of the seller to find out whether the property has historically flooded. In the event that the property has been flooded in past which is not revealed by the vendor, then a buyer could commence a claim for damages as a result of such an inaccurate response. The purchaser’s solicitors may also carry out an enviro search. This will higlight whether there is a recorded flood risk. If so, more detailed investigations should be carried out.
Me and my brother purchased a renovated Victorian house in Clent. Conveyancing lawyer acted for me and Chelsea Building Society. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: one for freehold, another for leasehold with the exact same property. If a house is not a freehold shouldn't I have been informed?
You should review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Clent and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also check the situation with the conveyancing practitioner who carried out the work.
I'm purchasing my first flat in Clent with the aid of help to buy. The builders would not reduce the amount so I negotiated five thousand pounds worth of additionals instead. The estate agent advised me not disclose to my solicitor about the side-deal as it will put at risk my mortgage with the bank. 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.
I opted to have a survey done on a property in Clent prior to appointing solicitors. I have been informed that there is a flying freehold element to the house. My surveyor advised that some mortgage companies may not give a loan on such a premises.
It depends who your proposed lender is. Bank of Scotland has different requirements for example to Nationwide. Should you wish to call us we can look into this further with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Clent. Conveyancing will be smoother if you use a solicitor in Clent especially if they are acquainted with such properties in Clent.