Can the conveyancing solicitors via your comparison service carry out attended exchange conveyancing in Kingsdown?
There are a few conveyancing specialists who can conduct 24hr exchanges. Do call us to secure a fee calculation and details as to availability.
I have been referred to a conveyancing solicitor in Kingsdown. I need to find out whether they are accepted on the Nationwide Building Society conveyancing panel. Could you advise?
You should phone your lawyer and ask them whether they are on the lender panel. Otherwise you should call Nationwide Building Society who may be able to confirm.
I happen to be the sole recipient of my late grandmother’s will with all property in now in my sole name, including the my former home in Kingsdown. Conveyancing formalities meant that the Land Registry date was in May. I now wish to sell up. I understand that there is a Mortgage Lenders six month 'rule', which means that my proprietorship will be regarded the same way as though I had purchased the house in May. Will no one buy the property for half a year?
The CML handbook instructs conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you could be caught by that. many banks would take a sensible view as this clause is chiefly there to pick up on subsales or the wholesaling and assigning of property.
We have agreed to purchase a house in Kingsdown. An unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Lloyds be concerned?
As your lender is Lloyds your lawyer must check the formal requirements set out in Part two of UK Finance Lenders’ Handbook for Lloyds. The Council of Mortgage Lenders’ Handbook contains minimum specifications for solar panel roof-space leases, and conveyancing practitioners are required to report to Lloyds where a lease does not satisfy these provisions. The requirements relate to the installation of panels on properties countrywide and is not isolated to Kingsdown.
I am selling my flat. I had a double glazing fitted in January 2006, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Co-operative are being pedantic. The Kingsdown solicitor who is on the Co-operative conveyancing panel is recommending indemnity insurance as a solution 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.
The deeds to our property can not be found. The solicitors who conducted the conveyancing in Kingsdown 10 years ago are no longer around. What do I do?
Nowadays there are duplicates made of almost everything, and your solicitor will be aware exactly where to look for all the appropriate documentation so you can buy or dispose of your house without any difficulty. If copies are not available, your lawyer can arrange cover in the form of insurance or indemnities protecting you against future claims on your property.
I am purchasing my first flat in Kingsdown benefiting from help to buy. The sellers refused to reduce the price so I negotiated £7000 of additionals instead. The estate agent suggested that I not disclose to my solicitor about this extras as it could affect my loan with Birmingham Midshires. Should I keep quiet?.
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'm converting the mortgage on my existing house to a BTL loan with HSBC Bank and intend to use the remaining equity as a down payment on another house. The neighborhood we are talking about is Kingsdown. Will your lawyers be able to act for the two mortgage companies and link together the transactions?
Do use our comparison tool on this site to ensure that the conveyancers are on the appropriate lender panels. Having checked that they are your lawyer should be able to connect the two transactions but you should talk with you lawyer and make apparent your expectations and needs.