Me and my partner are purchasing a ground floor flat in Englefield Green. My property lawyer is not on the lender conveyancing panel. Is it possible for me to retain my Englefield Green conveyancing solicitor even though they are not on the lender panel?
Your options include
- Proceed with your chosen Englefield Green solicitor but your lender will no doubt instruct a lawyer on their conveyancing panel. This will result in additional cost and potential delay.
- Get a new lawyer to act in the purchase, obviously checking they are on the bank conveyancing panel.
- Convince your lawyer to pull out all the stops to join the bank’s panel of solicitors
My lender has recommended a law firm on their panel based in Englefield Green but I would rather instruct a conveyancing lawyer in Englefield Green local to me. Can you help?
Not all Englefield Green conveyancing firms are listed all banks conveyancing panel. Please make use of our find an approved solicitor tool to find a Englefield Green conveyancing conveyancer on the on the bank panel.
I am aiming to move house in March. Should my conveyancing solicitor liaise with the removal company on the completion day. As an aside, can you recommend a removal company in Englefield Green. Conveyancing firm was organised prior to coming across this website.
On the day of completion you will need to collect the house keys from your selling agent but this should only take place after the previous owners conveyancers confirm to the agent that they acknowledge receipt of the completion payment and the keys can be given over. Subsequently you should tell the removal men that you are ready to move in. As a matter of policy we do not recommend a particular removal organisation but can assist you in finding a residential property solicitor in Englefield Green or a legal practice with expertise in conveyancing in Englefield Green.
I am the only beneficiary of my late mum's estate and I have everything in my name now, including the my former home in Englefield Green. The Englefield Green property was put into my name in November. I want to move. I understand that there is a Mortgage Lenders six month 'rule', meaning my proprietorship may be treated the same way as if I'd bought the house in November. Will no one buy the property for half a year?
The Council of Mortgage Lenders’ handbook instructs conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you could be caught by that. many mortgage companies would take a sensible view as this obligation principally exists to capture subsales or the flipping of properties.
We have agreed to purchase a house in Englefield Green. A rare aspect is that the roof has a solar panel. UBS have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that you are obtaining a mortgage with UBS your lawyer must follow the conveyancing instructions outlined in Section two of UK Finance Lenders’ Handbook for UBS. The CML Handbook includes minimum specifications for solar panel roof-space leases, and property lawyers are required to report to UBS where a lease fails to meet these provisions. The specifications relate to the installation of panels on properties countrywide and is not limited to Englefield Green.
About to purchase a new build apartment in Englefield Green. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.
Here are examples of a selection of leasehold new build questions that you can expect your new-build leasehold conveyancing in Englefield Green
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There must be mutual enforceability of lessee’s covenants. The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. Please supply a car parking plan. Please confirm the Lease plans are architect prepared.
I have been on the look out for a flat up to £245,000 and identified one close by in Englefield Green I like with a park and transport links in the vicinity, however it only has 49 remaining years left on the lease. I can't really find anything else in Englefield Green for this price, so just wondered if I would be making a grave error purchasing a short lease?
Should you need a home loan the shortness of the lease will be problematic. Reduce the price by the expected lease extension will cost if it has not already been discounted. If the current proprietor has owned the premises for at least twenty four months you can ask them to commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the current lease with a zero ground rent applied. You should speak to your conveyancing solicitor about this matter.
I have been advised by a number of property agents in Englefield Green to get a quote from a conveyancer on your site. What’s the financial inducement for Estate Agents to market your site ahead of another?
We don’t give any commission for pointing buyers and sellers our way. We thought it would be too underhand to pay a commission because a client could think, ‘How come the agent getting a kickback? Why aren’t I receiving any benefit too?’ We would prefer to grow our business on genuine recommendations.