My wife and I are acquiring a newly built apartment in Hillingdon and my solicitor is telling me that she is duty bound to the mortgage company to disclose incentives from the builder. I am under pressure to exchange and I don't want to prolong matters. Is my lawyer right?
You should not exchange unless you have been advised to do so by your conveyancing practitioner. A precondition to being on a lender panel is to comply with the UK Finance Lenders’ Handbook specifications. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
Can your site be used to find a Conveyancing solicitor in Hillingdon even where I’m not buying or selling a house, for instance where I wish to acquire an office in Hillingdon with a loan from Clydesdale?
Our search tool is primarily there to help choose domestic conveyancing solicitors in Hillingdon but we have listed towards the end of this page some Hillingdon commercial conveyancing firms. You will need to speak with the solicitors directly to establish if they can also act for Clydesdale
I can see plenty of here about conveyancing in Hillingdon but what is your top tip for finding the right conveyancer in Hillingdon
It would be unwise to be swayed by the lowest Hillingdon conveyancing quote. You really do get what you pay for when it comes to property lawyers. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.
Is there a list of RBS panel conveyancers in Hillingdon on the Council of Mortgage Lender’s Website?
No. There is no such facility on the Council of Mortgage Lenders or Building Society Association websites. A small selection of lenders make their panel listings viewable over the internet. If you are looking for a Hillingdon lawyer on the RBS please use our facility.
I recently had an offer agreed on a house in Hillingdon. My mortgage broker suggested a lawyer. I paid an advanced payment of £225. A few days later, the lawyer called me embarrassingly acknowledging that they were not on the Yorkshire BS 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 Yorkshire BS 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.
Do I need to be concerned by third parties that I am dealing with are recommending a nationwide conveyancing firm rather than a local Hillingdon conveyancing firm?
As with many service providers, often recommendations from relatives can be extremely useful or valuable. But there are lots of players in a conveyancing deal; estate agents, financial adviser and lenders may recommend conveyancers to use. Sometimes the lawyers might be known to one of the organisations as one of the best in their field, but sometimes there behind the scenes financial incentive behind the endorsement. You have the right to appoint your preferred conveyancer. However, bear in mind that the majority of mortgage providers specify a panel list of solicitors you are obliged to use for the lender aspect of your transaction.
I am hoping to put an offer on a small detached house that seems to meet my requirements, at a reasonable figure which is making it all the more appealing. I have just been informed that it's a leasehold rather than freehold. I am assuming that there are particular concerns buying a leasehold house in Hillingdon. Conveyancing lawyers have not yet been instructed. Will my lawyers set out the implications of buying a leasehold house in Hillingdon ?
The majority of houses in Hillingdon are freehold and not leasehold. In this scenario it’s worth having a local conveyancer who is familiar with the area who can assist with the conveyancing process. it is apparent that you are purchasing in Hillingdon in which case you should be looking for a Hillingdon conveyancing solicitor and be sure that they have experience in advising on leasehold houses. As a matter of priority you will need to check the unexpired lease term. Being a tenant you will not be at liberty to do whatever you want to the property. The lease will likely included provisions such as obtaining the freeholder’spermission to carry out alterations. It may be necessary to pay a contribution towards the maintenance of the communal areas where the property is part of an estate. Your lawyer will report to you on the legal implications.
I have tried to negotiate informally with with my landlord for a lease extension without any joy. Can I make an application to the Leasehold Valuation Tribunal? Can you recommend a Hillingdon conveyancing firm to act on my behalf?
You certainly can. We can put you in touch with a Hillingdon conveyancing firm who can help.
An example of a Freehold Enfranchisement matter before the tribunal for a Hillingdon premises is 164 Nestles Avenue in October 2013. The tribunal agreed with the proposed price of £20,158 for the freehold and determined that that sum is the amount to be paid into court This case related to 2 flats. The unexpired term was 69 years.
I am in the process of purchasing my 1st home in Hillingdon. Conveyancing lawyer already chosen. The broker pointed out that a survey is not appropriate as the house was only built 16 yrs ago.
You would be well advised to take a Home Buyer's Report. Given the residence is over ten years old the property will not benefit from a warranty, so you would be well advised not to take a risk. For a property that age with no signs of problems a Home Buyer's report may be enough. They will highlight any obvious problems and recommend additional investigation where appropriate. If there are any signs of problems obtain a full Building Survey from the beginning.