We are buying a 2 bedroom apartment in Ditchling with a mortgage. We would like to retain our Ditchling conveyancer, however the bank advise she’s not on their "panel". It seems we have little option but to appoint one of the mortgage company panel firms or keep our Ditchling conveyancing practitioner as well as pay for one of their panel lawyers to act for them. We feel that this is inequitable; are we not able to insist that the bank use our Ditchling property lawyer ?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the bank’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your Ditchling conveyancing solicitor to apply to be on the conveyancing panel.
My lender has suggested solicitors on their panel based in Ditchling but I would rather choose a conveyancing lawyer in Ditchling round the corner to me. Are you able to assist?
The minority of Ditchling conveyancing practitioners are approved and listed on all lender’s conveyancing panel. Use our find an approved solicitor tool to choose a Ditchling conveyancing solicitor on the on the bank panel.
I have been told that property searches are the primary reason for stalling in Ditchling house deals. Is there any truth in this?
The Council of Property Search Organisations (CoPSO) released conclusions of research by MoveWithUs that conveyancing searches do not feature within the common causes of hindrances in the conveyancing process. Searches are unlikely to feature in any slowing down conveyancing in Ditchling.
The estate agent has sent us the confirmation of our purchase of a new build apartment in Ditchling. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.
Set out below are examples of a selection of leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Ditchling
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If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. Please supply a car parking plan. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. Please confirm the Lease plans are architect prepared.
I decided to have a survey completed on a house in Ditchling ahead of appointing solicitors. I have been advised that there is a flying freehold aspect to the property. My surveyor advised that some lenders tend not give a loan on such a house.
It depends who your proposed lender is. HSBC has different requirements for example to Birmingham Midshires. If you call us we can investigate further via the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Ditchling. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Ditchling to see if the conveyancing costs will increase in light of this.
In my capacity as executor for the will of my grandmother I am disposing of a property in Newport but live in Ditchling. My lawyer (who is 235 kilometers awayhas requested that I execute a stat dec prior to the transaction finalising. Could you suggest a conveyancing solicitor in Ditchling who can attest and place their company stamp on the document?
Technically speaking you are unlikely to be required to have the documents witnessed by a conveyancing solicitor. Ordinarily or notary public or qualified solicitor will do regardless of whether they are Ditchling based