Please help. My Longlands solicitor is informing me me that he has toapply for Longlands conveyancing searches asthe firm are on the HSBCsolicitor panel. These Longlands checks cost a lot of money can this be avoided?
Unfortunately both you and your lawyer have little choice here. Given that you are taking out a loan with a bank your conveyancer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your solicitor would have previously signed the Terms and Conditions of your bank’s conveyancing panel appointment which obliges them to comply with the Council of Mortgage Lenders’ Handbook conditions . Even if you were a cash buyer you would be ill advised not to carry out Longlands conveyancing searches.
I understand that there are debates on Chancel Insurance on online forums. Am I compelled to take this when acquiring a residence in Longlands? or I am told that there is a law dating back centuries that means some homeowners living in a parish church boundary will be compelled to pay for maintenance to the chancel in proximity to the church. Is this applicable for conveyancing in Longlands?
Unless a prior purchase of the property completed after 12 October 2013 you can assume that lawyers carrying out conveyancing in Longlands to remain recommending a chancel search and or insurance against a claim.
Me and my brother own a 4 bedroom Edwardian house in Longlands. Conveyancing solicitor represented me and Skipton Building Society. I did a free Land Registry search last week and I saw a couple of entries: one for freehold, another for leasehold with the exact same property. I thought I was buying a freehold how can I check?
You need to assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Longlands and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with lenders. You can also enquire as to the position with your conveyancing practitioner who completed the work.
I'm purchasing my first flat in Longlands with the aid of help to buy. The sellers refused to reduce the price so I negotiated £7000 of extras instead. The estate agent advised me not reveal to my solicitor about the extras as it could impact my loan with the lender. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the builder 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 decided to have a survey done on a property in Longlands before instructing conveyancers. I have been advised that there is a flying freehold aspect to the house. The surveyor advised that some mortgage companies may not give a loan on a flying freehold home.
It depends who your proposed lender is. HSBC has different requirements from Birmingham Midshires. If you contact us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Longlands. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Longlands to see if the conveyancing costs will increase in light of this.
We are four weeks into a leasehold purchase having been referred to a firm by the local agent to handle our conveyancing in Longlands. I am am starting to be disappointed with the level of service. Could you you assist me in finding new lawyers?
A lawyer would need to be really bad to suggest replacing them. Has your mortgage offer been generated? If so you will need to make them aware of the replacement solicitor and get the loan are re-issued. The conveyancer needs to be on the banks approved list to avoid escalating expenses and complications. That should be your starting point. The find a solicitor tool should help you find a bank approved lawyer for your conveyancing in Longlands