Do the Building Society Association intend to launch a search tool with a view to to identify firms on the Melton Mowbray Building Society conveyancing panel for example in Fairwater?
We would not expect to be advised of any plans on the part of the BSA to develop such a register.
Despite weeks of looking the Title Certificate and documents to our property are lost. The conveyancers who dealt with the conveyancing in Fairwater 10 years ago are no longer around. What are my next steps?
As long as you have a registered title the information relating to your ownership will be documented by the Land Registry with a Title Number. It is easy to carry out a search at the Land Registry, find your property and obtain up to date copies of the property title for a small fee. Where the title is Leasehold then the Land Registry will usually retain a file duplicate of the Registered Lease and again, a copy can be retrieved for a small fee.
I am buying a new build house in Fairwater with the aid of help to buy. The builders would not reduce the price so I negotiated 6k of extras instead. The estate agent told me not reveal to my solicitor about this side-deal as it will jeopardize my loan with the bank. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Due to the guidance of my in-laws I had a survey completed on a house in Fairwater prior to retaining lawyers. I have been advised that there is a flying freehold aspect to the property. Our surveyor advised that some banks may refuse to grant a loan on such a premises.
It varies from the lender to lender. Santander has different instructions for example to Nationwide. If you contact us we can investigate further with the appropriate bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Fairwater. Conveyancing may be slightly more expensive based on your lender's requirements.
I am looking for a conveyancing solicitor in Fairwater for my house move. Is there any facility to review a firm’s complaints history with the profession’s regulator?
Members of the public may read documented Solicitor Regulator Association (SRA) decisions arising from inquisitions from 2008 onwards. Go to Check a solicitor's record. To find records Pre 2008, or to check a firm's record, ring 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. International callers, call +44 (0)121 329 6800. The regulator may recorded call for training reasons.
When it comes to my conveyancing in Fairwater should I be paying VAT on the following: (1) Land reg fee on purchase (2) Pre - completion search fee (3) SDLT E submission on purchase (4) Bank TT fee
(1) Land reg fee on purchase - No (2) Pre - completion search fees -No, (such conveyancing searches are HMLR ones and means £4 and possibly £2 bankruptcy per name on your mortgage) (3) SDLT E submission on your purchase - There is no VAT on Stamp Duty. However if the firm is charging a stamp duty e-submission fee as part of their services - some Fairwater conveyancers do - that will incur VAT(4) Bank transfer fee - Yes it is for the solicitor's time in submitting the funds this way.