I am expecting a offer of a home loan from Halifax. I would like to enlist the help of a Licensed Conveyancer in East Preston. Does the Halifax Solicitor panel exclude Licensed Conveyancers?
The Halifax approved solicitor list is, like many other lenders, represented by the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
My solicitor has identified a defect with the lease for the property we are purchasing in East Preston. The seller’s lawyers have suggested title insurance as a solution. We are content with insurance and will cover the costs. Our property lawyer has advised that he must ensure that the mortgage company is happy with this solution. Are we the client or is the lender?
Regardless of the fact that you have a mortgage offer from the mortgage company does not mean to say that the property will meet their conditions for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook requirements. You and the mortgage company are the client. These conveyancing instructions have to be complied with.
This question may be naive but I am wet behind the ears as FTB of a two bedroom flat in East Preston. Do I receive the keys to the property on completion from my solicitor? If so, I will instruct a High Street conveyancing solicitor in East Preston?
There is no need to visit the lawyers office on the day of completion. Your solicitors will arrange to send the purchase money to the seller's conveyancers, and shortly after the monies have arrived, you should be called to collect the keys from the selling Agents and start moving into the property. Usually this occurs between 1 and 3pm.
The formalities of my purchase has taken place for my property in East Preston. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
All lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are sorted out very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
I've read lots of house buying guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local East Preston solicitor - who is on the Coventry BS conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Coventry BS will need an independent valuation of the property. Your lawyer will not arrange this. Usually Coventry BS will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own East Preston surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
Should commercial conveyancing searches disclose proposed roadworks that could affect a commercial premises in East Preston?
Many commercial conveyancing solicitors in East Preston will execute a SiteSolutions Highways report as it reduces the time that conveyancers spend in sourcing accurate data on highways that impact buildings and development assets in East Preston. The search result provides definitive data 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 East Preston.
For each commercial conveyancing transaction in East Preston it is critical 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 East Preston commercial conveyancing deals as well as pose a risk to future plans for the site. These searches are not ordered for domestic conveyancing in East Preston.
I am thinking of appointing a conveyancing practitioner in East Preston for my remortgage. Is it possible to review a solicitor's record with the legal regulator?
You can search for documented Solicitor Regulator Association (SRA) decisions resulting from investigations commenced on or after Jan 2008. Go to Check a solicitor's record. For details about the period before 1 January 2008, or to check a firm's record, phone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For non-uk callers, use +44 (0)121 329 6800. The SRA may monitor call for training reasons.
My in 2005. He has got wed, divorced and is now married again. He now intends to dispose of the East Preston property. I suspect that he will just be asked to supply copies of the marriage certificates to the property lawyer however he is worried it could frustrate the conveyancing. Is it worth updating the Land Registry information for the property?
The is no need to bring up to date the register on the basis that you have the evidence required to demonstrate how the change of name occurred.
The purchaser’s conveyancer should check the title details and need evidence by way of proof of the change of name for example marriage certificates.