I am getting a mortgage with Santander. My intention is to employ the services of a Licensed Conveyancer in Longton. Does the Santander Conveyancing panel include Licensed Conveyancers?
The Santander conveyancing panel is, like many other lenders, represented by the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the CLC.
We previously selected conveyancing lawyers located in Longton on the HSBC solicitor approved list. They have just billed me a supplemental fee for handling the HSBC mortgage. Is this an additional conveyancing fee specified by HSBC?
Provided it is contained in their Terms and Conditions or Quote then yes your conveyancing practitioner may levy a fee for this. This fee is not dictated by HSBC but by your Longton lawyer. Numerous firms on the HSBC panel will quote ’dealing with mortgage’ fee but some practices incorporate it on their overall fee.
I am buying a property in Longton. A rare aspect is that the roof has a solar panel. Nottingham have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As you are obtaining a mortgage with Nottingham your lawyer must follow the formal requirements set out in Part two of UK Finance Lenders’ Handbook for Nottingham. The Council of Mortgage Lenders’ Handbook contains minimum specifications for solar panel roof-space leases, and conveyancers are required to report to Nottingham where a lease fails to comply with these specifications. The conditions relate to the installation of panels on properties countrywide and is not restricted to Longton.
The formalities of my purchase has taken place for my property in Longton. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?
Most banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. In most cases complaints to a lender are resolved very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
I need some fast conveyancing in Longton as I have a deadline to complete within one month. Fortunately I do not require a mortgage. Can I escape the need for conveyancing searches to save money and time?
As you are are a mortgage free purchaser you are at free not to do searches although no law firm would suggest that you don't. Drawing on our experience of conveyancing in Longton the following are instances of issues that can show up and therefore impact the marketability of the property: Enforcement Notices, Overdue Charges, Overdue Grants, Unadopted Roads,...
Are there restrictive covenants that are commonly picked up as part of conveyancing in Longton?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Longton. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
My wife and I purchased a leasehold flat in Longton. Conveyancing and The Royal Bank of Scotland mortgage went though with no issue. A letter has just been received from someone saying they have taken over the freehold. It included a ground rent demand for rent dating back to 1992. The conveyancing practitioner in Longton who previously acted has long since retired. Any advice?
The first thing you should do is make enquiries of HMLR to be sure that the individual purporting to own the freehold is indeed the registered owner of the freehold reversion. It is not necessary to instruct a Longton conveyancing firm to do this as you can do this on the Land Registry website for a few pound. You should note that in any event, even if this is the rightful freeholder, under the Limitation Act 1980 the limitation period for recovery of ground rent is six years.
Longton Leasehold Conveyancing - Examples of Queries Prior to buying
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Can you inform me if there are any major works in the near future that will increase the service charges? Are any of leasehold owners in dispute over their service charge payments?
For various reasons I am unable to be present at my Longton conveyancing solicitors office to sign documents connected to my conveyancing in Longton – will this be problematic?
No. Longton conveyancing solicitors can handle home moves for clients throughout the rest of the country. You are unlikely to be required to visit a Longton conveyancers office. Almost all conveyancing practitioner can handle everything via post, email, telephone and fax.