I am obtaining a offer of a home loan from Santander. I intend to enlist the help of a Licensed Conveyancer in Hornsea. Does the Santander Conveyancing panel exclude Licensed Conveyancers?
The Santander approved solicitor list is, like many other lenders, associated to the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
I am buying a property in Hornsea. A rare aspect is that the roof has a solar panel. Leeds Building Society 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 Leeds Building Society your lawyer must follow the conveyancing requirements contained in Section 2 of UK Finance Lenders’ Handbook for Leeds Building Society. The Council of Mortgage Lenders’ Handbook stipulates minimum specifications for solar panel roof-space leases, and solicitors are required to report to Leeds Building Society where a lease does not satisfy these specifications. The provisions relate to the installation of panels on properties in England and Wales and is not isolated to Hornsea.
I have a mortgage with Clydesdale for my property in Hornsea. Conveyancing has been completed months ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Clydesdale?
You must advise Clydesdale prior to renting your property as this is likely to be a breach of Clydesdale’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Clydesdale directly. You need not do this via a Clydesdale conveyancing panel lawyer.
I am selling my flat. I had a double glazing fitted in June 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Leeds Building Society are being a right pain. The Hornsea solicitor who is on the Leeds Building Society conveyancing panel is saying indemnity insurance will be fine but Leeds Building Society are insisting on a building regulation certificate. Why do Leeds Building Society have a conveyancing panel if they don't accept advice from them?
It is probably the case that Leeds Building Society have referred the matter to their valuer. The reason why Leeds Building Society 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.
I used Action Conveyancing a few years past for my conveyancing in Hornsea. I now require my papers however the law firm has closed. What do I do?
You should contact the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Hornsea of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I opted to have a survey carried out on a property in Hornsea before appointing lawyers. I have been told that there is a flying freehold aspect to the house. Our surveyor has said that some lenders may not issue a loan on such a premises.
It depends who your proposed lender is. Santander has different requirements from Birmingham Midshires. If you call us we can look into this further via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Hornsea. Conveyancing may be slightly more expensive based on your lender's requirements.
We are 3 weeks into a leasehold purchase having been referred to solicitors by the selling agent to handle our conveyancing in Hornsea. I am am starting to be disappointed with the level of service. Could you help me find new solicitors?
A lawyer would have to be really bad to suggest replacing them. Has your mortgage been generated? In the event that it has you must make them aware of the new contact details and ensure the offer are re-issued. The solicitor ideally should be on the mortgage company approved list to avoid escalating expenses and complications. So that should be your starting point. The find a solicitor tool should help you find a bank approved lawyer for your conveyancing in Hornsea
Me and mypartner and I are are looking to find a quality conveyancing lawyer in Hornsea to assist me in selling my apartment. I want to avoid being ripped off and there are various Hornsea conveyancing organisations to choose from...how do I know which one is best to select?
To fee estimates for your move from the conveyancing firms that undertakes services in Hornsea please use our quote tool.