My husband and I are intending to acquire a 2 bedroom apartment in Ettington with a mortgage. We have a Ettington conveyancer, however the bank advise he's not on their "panel". It seems we have little choice but to instruct one of the bank panel solicitors or keep our Ettington lawyer as well as pay for one of their panel lawyers to represent them. This seems very unfair; are we not able to require that the lender use our Ettington conveyancer ?
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. Another option that might be available is for your Ettington conveyancing solicitor to apply to be on the conveyancing panel.
My friend suggested that if I am purchasing in Ettington I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
A search of this type is occasionally quoted for as part of the standard Ettington conveyancing searches. It is a large report of about 40 pages, listing and detailing important information about Ettington around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Ettington Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Local Education with maps and statistics, Local Amenities and other useful data about Ettington.
I used Arc property Solicitors several years ago for my conveyancing in Ettington. Now, I need the files but the law firm has closed. What do I do?
You should call the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Ettington of the conveyancing firm of solicitors you previously retained, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
How does conveyancing in Ettington differ for newly converted properties?
Most buyers of new build property in Ettington approach us having been asked by the housebuilder to exchange contracts and commit to the purchase even before the house is ready to move into. This is because house builders in Ettington typically purchase the site, 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 conveyancers 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 used to new build conveyancing in Ettington or who has acted in the same development.
I am a sole trader planning to take over a lease of a shop on a shopping parade. Can you recommend solicitors offering competitive fees for non-domestic conveyancing in Ettington for less than 2k?
We are happy to recommend firms who have an in-depth of experience of commercial conveyancing in Ettington, including the sale and acquisition of businesses as well as simply premises. Whether you are looking to buy or dispose of a shop, pub, restaurant, office, retail unit or a complete business we can put you in touch with the right solicitor. Regarding the costs these will vary based on the structure and terms of the deal. Let us have your contact information or email us so that we may provide you with a fixed commercial conveyancing quote.
My wife and I purchased a leasehold flat in Ettington. Conveyancing and Leeds Building Society mortgage organised. A letter has just been received from someone saying they have taken over the reversionary interest in the property. Attached was a demand for arrears of ground rent dating back to 1991. The conveyancing practitioner in Ettington who acted for me is not around. Any advice?
The first thing you should do is contact HMLR to be sure that this person is in fact the new freeholder. You do not need to instruct a Ettington conveyancing firm to do this as you can do this on the Land Registry website for less than a fiver. You should note that in any event, even if this is the legitimate freeholder, under the Limitation Act 1980 the limitation period for recovery of ground rent is six years.
Leasehold Conveyancing in Ettington - Sample of Questions you should consider Prior to Purchasing
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What is the length of the lease? Are any of leasehold owners in dispute over their service charge liability? How much is the yearly service fee and ground rent?