I have an AIP. The lender mentioned the home loan came with free conveyancing. Is the implication that I have to instruct their panel lawyer as I would much rather instruct a high street conveyancing solicitor in Farnham Common?
Do check but the chances are that appoint one of their panel solicitors if you want the "fee-free" incentive. Speak to the lender and see if they offer you a cash alternative. In the past a few lenders offered a £250 cashback as an alternative in which case that money can go towards the cost for your conveyancing solicitor in Farnham Common.
I am assisting my mother sell her house in Farnham Common. Will the solicitor order an energy assessment or should I organise this?
After the abolition of HIPs, EPC’s remained a compulsory part of selling a house. An energy assessment must be commissioned in advance of the property being marketed. This is not something that conveyancers normally organise. Where you are using a Farnham Common conveyancing lawyer they might be willing to arrange energy assessments due to their relationships with long established local assessors
A colleague informed me that in buying a property in Farnham Common there may be various restrictions affecting the ability to carry out external alterations to a property. Is this right?
There are a number of properties in Farnham Common which have some sort of restriction or requirement of consent to perform external changes. Part of the conveyancing in Farnham Common should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
The formalities of my remortgage has taken place for my property in Farnham Common. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?
Most banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. Ordinarily complaints to a lender are resolved effectively and efficiently. 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.
My wife and I are planning on selling our house in Farnham Common and the buyers lawyers are claiming that there is a risk of it being built land that was not decontaminated. Any high street Farnham Common lawyer would know that there is no such problem. For the life of me I don't know why the purchasers instructed a web based conveyancing outfit rather than a conveyancing solicitor in Farnham Common. We have lived in Farnham Common for 4 years we know that this is a non issue. Is it a good idea to contact our local Authority to get confirmation that the buyers are looking for.
It would appear that you have a conveyancing lawyer already. What do they say? You must enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same ailment)
It has been four months since my purchase conveyancing in Farnham Common took place. I have checked the Land Registry website which shows that I paid £200,000 when infact I paid £160,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the premises from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I am looking for a flat up to £305k and identified one round the corner in Farnham Common I like with open areas and railway links nearby, the downside is that it only has 49 years on the lease. There is not much else in Farnham Common in this price bracket, so just wondered if I would be making a mistake acquiring a lease with such few years left?
Should you need a home loan that many years will likely be problematic. Discount the offer by the anticipated lease extension will cost if not already taken into account. If the existing owner has owned the premises for at least twenty four months you can request that they start the process of the extension and then assign it to you. You can add 90 years to the existing lease and have £0 ground rent by law. You should consult your conveyancing solicitor regarding this matter.
I am looking for a conveyancing solicitor in Farnham Common for my remortgage. Is it possible to review a solicitor's complaints history with the legal regulator?
You may search for presented Solicitor Regulator Association (SRA) determinations arising from inquisitions from 2008 onwards. Visit Check a solicitor's record. For information Pre 2008, or to check a firm's record, phone 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For non-uk callers, dial +44 (0)121 329 6800. The regulator may monitor call for training purposes.