I have just been advised by my lender that my Hingham lawyer is not on the bank Conveyancing panel. What can I do to be sure that this is correct?
You need to contact your Hingham conveyancer. It is reasonable to expect your lawyer to inform you what has happened. If they are not on the panel they could put your in touch with solicitors on the approved list of lawyers for your mortgage company.
My partner and I are only a couple days away from an exchange on a flat in Hingham and my mum and dad have sent the 10% deposit to my conveyancer. I am now told that as the deposit has been received from someone other than me my conveyancing practitioner needs to make a notification to my mortgage company. I am advised that, in also acting for the lender he must advise them that the balance of the purchase price is not just from me. I disclosed to the bank concerning my parents' contribution when I applied for the home loan, so is it really appropriate for this now to be an issue?
Your lawyer is duty bound to clarify with lender to make sure that they know that the balance of the purchase price is not from your own resources. Your solicitor can only notify this to your lender if you permit them to, failing which, your lawyer must cease to continue acting.
It is 10 years ago since I purchased my home in Hingham. Conveyancing lawyers have recently been appointed on the sale but I can't find the deeds. Will this jeopardise the sale?
Don’t worry too much. First the deeds may be retained by your lender or they could be in the possession of the solicitor who handled your purchase. Secondly in most cases the property will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers obtaining current official copies of the land registers. Almost all conveyancing in Hingham relates to registered property but in the rare situation where your property is unregistered it is more tricky but is not insurmountable.
We are purchasing a terrace house in Hingham. The intention is to carry out a loft conversion at the property.Will legal due diligence on the property include checks to see if these works are allowed?
Your solicitor should check the deeds as conveyancing in Hingham can on occasion reveal restrictions in the title documents which prevent certain alterations or necessitated the permission of another owner. Certain additions need local authority planning consent and approval in compliance with building regulations. Some areas are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. You should check these issues with a surveyor ahead of any purchase.
Are all Hingham Conveyancing Quality Solicitors on the Bank of Ireland conveyancing panel?
Some major lenders now utilise CQS as the kick off point for Panel membership such as HSBC and Santander. CQS accreditation however gives no guarantee to lender panel acceptance. Nevertheless,the CML have indicated that it is likely to become a pre-requisite for firms wishing to remain on their panels.
We have a mortgage agreed in principle with Principality. Hingham conveyancing lawyers are selected. What is the average time that one could expect to receive a mortgage offer from Principality?
Some lenders take longer than others. Have Principality conducted the survey? Have you informed Principality as to your lawyers' details and checked that your lawyers are on the Principality conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
Are there restrictive covenants that are commonly identified during conveyancing in Hingham?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Hingham. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
Taking into account that I will soon part with hundreds of thousands of pounds on a terraced house in Hingham I would like to have a conversation with the solicitor regarding thehouse move ahead of instructing the firm. Can this be arranged?
Absolutely - we would be delighted to talk to you we do not take any clients on without you first talking to the solicitor who will be doing your conveyancing in Hingham.There is no ‘factory style conveyancing’ - each client is unique individual, not a matter number. The law firms that we put you in touch with believe that the figure you are provided with for your conveyancing in Hingham should be the figure that you are charged.