My lawyer has discovered a a legal deficiency with the lease for the flat we are buying in Highcliffe. The seller’s lawyers have suggested defective title insurance as a workaround. We are content with insurance and will cover the costs. Our lawyer says that he must be satisfied that the mortgage company is content with this solution. Who is the client here, us or the mortgage company ?
Notwithstanding that you have a mortgage offer from the mortgage company does not mean to say that the property will meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook provisions. You and the lender are the client. These conveyancing instructions must be adhered to.
We see that you have a search directory listing solicitors on the Skipton conveyancing panel. Do firms pay you a commission if I appoint them for our own conveyancing in Highcliffe?
We are a listing service only for law firms wishing to communicate if they are on the Skipton conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Highcliffe.
I am assisting my aunt sell her flat in Highcliffe. Will the conveyancing solicitor arrange an energy performance certificate or it is for the owner to see to?
After the demise of HIPs, energy assessments was kept a mandatory part of moving house. An energy assessment should be commissioned prior to the property being put on the market. This is not something that conveyancers ordinarily organise. If you are instructing a Highcliffe conveyancing solicitor they may be able to arrange EPC’s given their relationships with reputable local accredited person
We have agreed to purchase a house in Highcliffe. A rare aspect is that the roof has a solar panel. Skipton 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 Skipton your lawyer must comply with the formal instructions contained in Section two of UK Finance Lenders’ Handbook for Skipton. The Council of Mortgage Lenders’ Handbook includes minimum specifications for solar panel roof-space leases, and property lawyers are required to report to Skipton where a lease does not comply with these conditions. The provisions relate to the installation of panels on properties in England and Wales and is not limited to Highcliffe.
I am due to exchange contracts on my house. I had a double glazing fitted in October 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, Kent Reliance are being difficult. The Highcliffe solicitor who is on the Kent Reliance conveyancing panel is saying indemnity insurance will be fine but Kent Reliance are insisting on a building regulation certificate. Why do Kent Reliance have a conveyancing panel if they don't accept advice from them?
It is probably the case that Kent Reliance have referred the matter to their valuer. The reason why Kent Reliance may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
Do commercial conveyancing searches reveal impending roadworks that may affect a commercial property in Highcliffe?
Its becoming the norm that commercial conveyancing solicitors in Highcliffe will execute a SiteSolutions Highways report as it dramatically cuts the time that conveyancers expend in sourcing accurate data on highways that impact buildings and development assets in Highcliffe. The search result provides definitive data on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Highcliffe.
For each commercial conveyancing transaction in Highcliffe it is critical to investigate the adoption status of roads surrounding a site. The absence of identifying developments where adoption procedures have not been dealt with adequately may result in delays to Highcliffe commercial conveyancing deals as well as pose a risk to future plans for the site. These searches are not carried out for residential conveyancing in Highcliffe.
I am buying a new build apartment in Highcliffe. Conveyancing is necessary evil 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 conveyancing.
Set out below is a sample of a selection of leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Highcliffe
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The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Forfeiture - bankruptcy or liquidation must not apply under this provision.
I am using a search engine for the words conveyancing in Highcliffe it brings up many conveyancerslocally. How do I determine which is the right solicitor for purchase transaction?
The preferential way of choosing the right conveyancer is through a trusted testimonial, so enquire of friends and family who have acquired a property in Highcliffe or a respected estate agent or mortgage broker. Charges for conveyancing in Highcliffe vary, so it's sensible to request a minimum of four fee calculations from different conveyancers. Make sure that you clarify that the fees are fixed.