I'm the single beneficiary of my late mum's estate with all property in now in my sole name, including the house in Kineton. The Kineton property was put into my name in August. I plan to dispose of the house. I do know about the CML six month 'rule', which means that my property ownership may be considered the same way as though I had purchased the property in August. Will no one buy the property for half a year?
The Council of Mortgage Lenders’ handbook obliges conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be affected by that. Most lenders would take a pragmatic view as this obligation is chiefly there to capture subsales or the quick reselling of properties.
Are all Kineton Conveyancing Quality Solicitors on the Skipton conveyancing list of approved practices?
A selection of lenders now use the accreditation scheme as the kick off point for Panel membership such as HSBC and Santander. The Law Society’s CQS accreditation however is no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for solicitors wishing to remain on their panels.
My offer was accepted on a house in Kineton on 21/7/2025, valuation was booked 4 days after, received a clean bill of health. Property lawyer instructed, so the only thing outstanding was my mortgage offer. Having made daily calls to Principality and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Principality conveyancing panel. Are Principality entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Principality to deal with your lawyer's application to be on the Principality conveyancing panel. There's no guarantee that your solicitor will be accepted.
Despite weeks of looking the Title Certificate and documents to my home are lost. The conveyancers who handled the conveyancing in Kineton 5 years ago have long since closed. What are my options?
Nowadays there are duplicates made of almost everything, and your conveyancer should know exactly where to locate all the appropriate documentation so you can purchase or dispose of your house without any difficulty. If duplicates can’t be located, your lawyer can arrange cover in the form of insurance or indemnities against future claims on the premises.
I'm buying my first flat in Kineton with a mortgage from Aldermore. The sellers would not budge the amount so I negotiated £7000 of additionals instead. The estate agent told me not inform my lawyer about the side-deal as it could jeopardize my mortgage with the lender. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I opted to have a survey carried out on a house in Kineton in advance of instructing lawyers. I have been informed that there is a flying freehold element to the house. The surveyor advised that some banks tend not grant a mortgage on a flying freehold premises.
It depends who your proposed lender is. Lloyds has different requirements from Birmingham Midshires. Should you wish to call us we can investigate further via the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Kineton. Conveyancing may be slightly more expensive based on your lender's requirements.
I need to instruct a conveyancing solicitor for residential conveyancing in Kineton. I've discover a site which appears to be the ideal offering If it is possible to get all this stuff done via phone that would be preferable. Should I be wary? What should out be looking out for?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?
As a tenant I am on the hook for a maintenance fee for my flat in Kineton. Due to losing my job and personal issues I slipped behind with remittance. I negotiated a clearance schedule but there remains three grand outstanding at the current time.
I want to dispose of the property and I am concerned this may hold me back if I have to pay off the arrears first. Do I have to settle before - is this viable?
Your conveyancer should be in a position to negotiate with the appropriate parties, with a new to seeing if they would accept settlement out of the completion monies. Here is indicative of why it might be good to instruct a lawyer in Kineton as they are likely to enjoy a strong line of communication with the parties.