I am selling my home in Hotwells. Will the conveyancer have to be required to be on the Aldermore conveyancing panel in order to deal with the discharge of my mortgage?
Ordinarily, even if your lawyer is not on the Aldermore conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their conditions fairly frequently in recent years.
I am assisting my aunt sell her flat in Hotwells. Will the conveyancing solicitor order an energy performance certificate or it is for the owner to see to?
After the demise of HIPs, energy performance certificates was retained a mandatory component of selling a house. An EPC needs to be commissioned prior to the property being advertised. It is not something that conveyancers normally arrange. Where you are using a Hotwells conveyancing lawyer they may be willing to arrange energy performance certificates due to their contacts with reputable Hotwells energy assessors
The formalities of my remortgage has taken place for my property in Hotwells. Conveyancing was a necessary evil but I would like to complain about the lender. How does one go about formally complaining?
All lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Department at head office. Ordinarily complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
I am due to exchange contracts on my flat. I had a double glazing fitted in July 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Co-operative are being problematic. The Hotwells solicitor who is on the Co-operative conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Co-operative are requiring a building regulation certificate. Why do Co-operative have a conveyancing panel if they don't accept advice from them?
It is probably the case that Co-operative have referred the matter to their valuer. The reason why Co-operative 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.
What will a local search reveal regarding the house I am purchasing in Hotwells?
Hotwells conveyancing often starts with the submitting local authority searches directly from your local Authority or via a personal search company such as Onsearch The local search is essential in every Hotwells conveyancing purchase; as long as you don’t want any nasty once you have moved into your new home. The search should reveal data on, amongst other things, details on planning applications relevant to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen topic sections.
I have justfound out that Arc property Solicitors have been shut down. They conducted my conveyancing in Hotwells for a purchase of a leasehold flat 12 months ago. How can I be sure that the property is not still registered in the name of the previous owner?
The easiest way to check if the property is registered to you, you can carry out 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 Hotwells conveyancing specialists.
About to purchase a new build apartment in Hotwells. Conveyancing is daunting 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 legal work.
Here is a sample of a few leasehold new build questions that you should expect your new-build leasehold conveyancing in Hotwells
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Please confirm the Lease plans are architect prepared. Please provide evidence that the form of Lease proposed has been approved by the Land Registry. There must be mutual enforceability of lessee’s covenants. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier?
I opted to have a survey done on a property in Hotwells ahead of retaining lawyers. I have been informed that there is a flying freehold aspect to the property. My surveyor has said that some lenders tend refuse to issue a mortgage on such a premises.
It varies from the lender to lender. Santander has different instructions from Halifax. If you e-mail us we can look into this further with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Hotwells. Conveyancing will be smoother if you use a solicitor in Hotwells especially if they are familiar with such properties in Hotwells.