It has come to my attention via my lender that my Gravesend the law firm I have appointed is not on the mortgage company Solicitor panel. How can I be certain if this is indeed the case?
The first thing you need to do is to contact your Gravesend conveyancer. You lawyer should advise you of the situation. If they are not on the panel they could put your in touch with solicitors on the conveyancing panel for your mortgage company.
We are acquiring our first property. The solicitor has messagedto see if we would like to take out additional conveyancing searches. We are really unsure what's appropriate for conveyancing in Gravesend
The quantity and type of Gravesend conveyancing searches should be triggered based entirely on the premises, the location, the possibility of any of these risks, your knowledge of the region and risks, your general appetite to risk. What is important is that you properly understand what information the searches could give you. Then you can decide if you consider that you need that information. Where you are uncertain, ask the solicitor to offer guidance.
I am helping my niece sell her flat in Gravesend. Does the conveyancing solicitor order the EPC or it is for me to coordinate?
Following the abolition of HIPs, energy performance certificates was kept a required component of moving property. An EPC needs to be commissioned before the property is marketed. It is not something that conveyancers normally organise. If you are using a Gravesend conveyancing practitioner they might help arrange energy performance certificates given their relationships with reputable Gravesend accredited person
I recently had an offer agreed on an apartment in Gravesend. My mortgage broker suggested a property lawyer. I paid an on account payment of £150. A few days later, the property lawyer called me to say that they were not on the Santander conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Santander panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
Aldermore have agreed my home loan in principle, my bid on a flat in Gravesend has been agreed to, now what?
Your property agent will wish to be advised as to your conveyancing practitioner's details (ensure that the conveyancers are on the bank’s approved list). Contact Aldermore or your financial adviser and finalise any outstanding forms. Aldermore will instruct a valuer who will get in touch with the selling agent or vendor to arrange a time for the valuation to occur. Once conducted (assuming no problems) it takes on average a week to receive the mortgage offer. Aldermore will send the offer to you and your conveyancers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Gravesend.
I have todayfound out that Action Conveyancing have been shut down. They carried out my conveyancing in Gravesend for a purchase of a freehold house 9 months ago. How can I check that the property is in my name in the name of the former proprietor?
The easiest method to check if the premises is in your name, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Gravesend conveyancing specialists.
Yesterday I discovered that there is a flying freehold issue on a property I have offered on a fortnight ago in what should have been a simple, no chain conveyancing. Gravesend is the location of the property. Can you offer any advice?
Flying freeholds in Gravesend are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Gravesend you must be sure that your lawyer goes through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Gravesend may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
Our lawyer in Gravesend has identified a defect with the lease for the apartment we are purchasing in Gravesend. The other side have put forward defective title insurance as a workaround. We are happy with insurance and will pay for it. Our solicitor has advised that as he is on the mortgage company conveyancing panel he must ensure that the lender is happy with this solution. Who is the client here, us or the mortgage company?
Just because you have a mortgage offer from the mortgage company does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your Gravesend conveyancing lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook Requirements. You and the mortgage company are the client. These conveyancing instructions have to be complied with by the bank conveyancing panel who has to balance acting for you and the bank