My fiance and I are intent on purchasing an apartment in Empingham. My Conveyancer is not on the lender conveyancing panel. Is it possible for me to continue with my Empingham conveyancing solicitor notwithstanding that they are not on the mortgage company panel of approved conveyancing solicitors?
You have numerous choices available to you here
- Proceed with your existing Empingham conveyancing practitioner but your bank will undoubtedly use a lawyer on their approved list. The net result is additional cost and likely delay.
- Choose a new solicitor to act in the purchase, making sure they are on the lender conveyancing panel.
- Appeal to your property lawyer to seek to join the bank panel
Can I use your services to locate a Conveyancing solicitor in Empingham even if I’m not buying or selling a house, for instance if I wish to acquire a shop in Empingham with a mortgage from Yorkshire Building Society?
The service is primarily utilised to help choose domestic conveyancing solicitors in Empingham but we have listed at the bottom of this page a selection of Empingham commercial conveyancing firms. You will need to enquire with the company directly to establish if they can also act for Yorkshire Building Society
Is it the case that all Empingham solicitor practices on the Co-operative conveyancing panel are regulated by the Solicitors Regulatory Authority?
As solicitors, in order to be on the Co-operative conveyancing panel they would need to be regulated by the Solicitors Regulatory Authority. The majority of banks do list licenced conveyancers on their panel and in that case the practice would be governed by the CLC.
The formalities of my remortgage has taken place for my property in Empingham. Conveyancing was of an acceptable standard but I would like to complain about the lender. How does one go about formally complaining?
All lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Department at head office. Ordinarily complaints to a lender are sorted out very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
I am selling my apartment. I had a double glazing fitted in August 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, Skipton are being problematic. The Empingham solicitor who is on the Skipton conveyancing panel is recommending indemnity insurance as a solution but Skipton are insisting on a building regulation certificate. Why do Skipton have a conveyancing panel if they don't accept advice from them?
It is probably the case that Skipton have referred the matter to their valuer. The reason why Skipton 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.
What can a local search reveal regarding the property we're purchasing in Empingham?
Empingham conveyancing often commences with the applying for local authority searches directly from your local Authority or via a personal search organisations for instance PSG The local search is essential in every Empingham conveyancing purchase; that is if you wish to avoid any unpleasant surprises after you move into your property. The search should reveal data on, amongst other things, details on planning applications relevant to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 topic areas.
How does conveyancing in Empingham differ for new build properties?
Most buyers of new build property in Empingham approach us having been asked by the developer to exchange contracts and commit to the purchase even before the premises is ready to move into. This is because builders in Empingham typically acquire the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Empingham or who has acted in the same development.
I decided to have a survey done on a house in Empingham ahead of retaining conveyancers. I have been informed that there is a flying freehold overhang to the house. Our surveyor advised that some lenders tend not issue a mortgage on such a home.
It varies from the lender to lender. HSBC has different instructions for example to Nationwide. If you contact us we can look into this further with the appropriate lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Empingham. Conveyancing will be smoother if you use a solicitor in Empingham especially if they are accustomed to such properties in Empingham.