My husband and I changing mortgage lender for our apartment in Long Ashton with RBS. We have a son 19 who lives with us. Our solicitor has asked us to disclose any adults other than ourselves who lives in the flat. The solicitor has now sent a form for our son to sign, giving up any rights in the event that the flat is forfeited by the lender. I have a couple of questions (1) Is this document specific to the RBS conveyancing panel as he never had to sign this form when we purchased 3 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?
On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to RBS. This is solely used to protect RBS if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of RBS had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
Do lenders provide you with an approved list of Long Ashton conveyancing solicitors? How do you know who is on the Co-operative conveyancing panel?
Long Ashton conveyancing firms themselves provide us confirmation that they are on the Co-operative conveyancing panel as opposed to being supplied with a list from Co-operative directly.
I am aiming to move home in February. Does my conveyancing solicitor communicate with the removal company on the day of completion. As an aside, can you put forward a removal company in Long Ashton. Conveyancing solicitor was organised prior to coming across this website.
On the afternoon of completion you can pick up the house keys from your property agent but this can only take place when the sellers lawyers advise the agent that the monies to complete are in and the keys can be released. Subsequently you should advise the removal company that they can start moving you in. As a matter of policy we do not recommend a specific removal company but can help you choose a residential property solicitor in Long Ashton or a legal practice with expertise in conveyancing in Long Ashton.
I have decided to exercise my right to buy my property in Long Ashton off the council. I have a mortgage agreed with Barclays. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Barclays, you will need to appoint a solicitor on the Barclays conveyancing panel.
I am selling my apartment. I had a double glazing fitted in November 2006, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, TSB are being difficult. The Long Ashton solicitor who is on the TSB conveyancing panel is saying indemnity insurance will be fine but TSB are requiring a building regulation certificate. Why do TSB have a conveyancing panel if they don't accept advice from them?
It is probably the case that TSB have referred the matter to their valuer. The reason why TSB 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.
Due to the input of my in-laws I had a survey completed on a property in Long Ashton prior to instructing conveyancers. I have been told that there is a flying freehold overhang to the property. Our surveyor has said that some mortgage companies tend refuse to grant a loan on such a house.
It depends who your proposed lender is. Lloyds has different instructions for example to Halifax. If you contact us we can investigate further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Long Ashton. Conveyancing will be smoother if you use a solicitor in Long Ashton especially if they are acquainted with such properties in Long Ashton.
I'm refinancing my current house to a BTL loan with Coventry Building Society and intend to use the remaining equity as a down payment on a second property. The location we are looking at is Long Ashton. Will your conveyancers be able to act for the two banks and link together the transactions?
Make use of our search tool on this page to be sure that the solicitors are on the appropriate lender panels. Assuming that they are the solicitor should be able to tie up the two transactions but you should have a chat with you conveyancer and make clear your expectations and requirements.
I am looking for a conveyancing solicitor in Long Ashton for my house move. Can I check a solicitor's record with the legal regulator?
You may search for published Solicitor Regulator Association (SRA) determinations arising from investigations from 2008 onwards. Visit Check a solicitor's record. To find information about the period before 1 January 2008, or to check a solicitors history, telephone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For non-uk callers, call +44 (0)121 329 6800. The SRA could monitor call for training purposes.