My mortgage company has suggested solicitors on their panel based in Mansfield but I would rather choose a conveyancing lawyer in Mansfield round the corner to me. Are you able to assist?
The minority of Mansfield conveyancing practices are listed all lender’s conveyancing panel. Please make use of the above find an approved solicitor tool to locate a Mansfield conveyancing firm on the on the mortgage company panel.
Is it the case that all Mansfield solicitors on the Aldermore conveyancing panel are governed by the SRA?
As a firm of solicitors, in order to be on the Aldermore approved list of solicitors they would need to be regulated by the SRA. Many banks do allow licenced conveyancers on their panel and in such a situation the firms would be governed by the CLC.
I am buying a property in Mansfield. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender RBS be concerned?
As you are obtaining a mortgage with RBS your lawyer must follow the formal requirements contained in Part two of UK Finance Lenders’ Handbook for RBS. The CML Handbook sets out minimum specifications for solar panel roof-space leases, and property lawyers are required to report to RBS where a lease fails to comply with these conditions. The requirements relate to the installation of panels on properties in England and Wales and is not isolated to Mansfield.
I have paid off my mortgage with Co-operative. I assume I don't need a Mansfield conveyancer on the Co-operative panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Co-operative mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Co-operative mortgage from the register. Co-operative, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Co-operative has sent the Land Registry the discharge electronically, and
- Co-operative has instructed the Land Registry to do so
I used Wolstenholmes several years ago for my conveyancing in Mansfield. I now require my file but the law firm is no longer operating. What do I do?
You should contact the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Mansfield of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
How does conveyancing in Mansfield differ for newly converted properties?
Most buyers of new build premises in Mansfield approach us having been asked by the housebuilder to sign contracts and commit to the purchase even before the house is ready to move into. This is because new home sellers in Mansfield usually purchase the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Mansfield or who has acted in the same development.
Due to the advice of my in-laws I had a survey completed on a property in Mansfield ahead of 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 not grant a loan on a flying freehold house.
It varies from the lender to lender. Santander has different instructions from Nationwide. If you call us we can look into this further via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Mansfield. Conveyancing will be smoother if you use a solicitor in Mansfield especially if they regularly deal with such properties in Mansfield.
I am on look out for some leasehold conveyancing in Mansfield. Before diving in I require certainty as to the remaining lease term.
Assuming the lease is recorded at the land registry - and most are in Mansfield - then the leasehold title will always include the basic details of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.
Leasehold Conveyancing in Mansfield - A selection of Questions you should ask before Purchasing
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Does the lease contain onerous restrictions? Are any of leasehold owners in arrears of their service charge payments? Many Mansfield leasehold flats will be liable to pay a service bill for the upkeep of the block set by the landlord. If you acquire the property you will have to pay this liability, normally periodically during the year. This could be anything from a couple of hundred pounds to thousands of pounds for buildings with lifts and large communal areas. There will also be a ground rent to be met yearly, normally this is not a significant figure, say about £50-£100 but you need to enquire as occasionally it could be prohibitively expensive.