We are purchasing a flat and need a conveyancing solicitor in Mitcham Junction who is on the Coventry BS approved panel. Could you point me in the right direction as regards a solicitor?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Coventry BS . We don't recommend any particular firms conducting conveyancing in Mitcham Junction.
We expect to receive a AIP from Yorkshire BS this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Yorkshire BS recommend any Mitcham Junction solicitors on the Yorkshire BS conveyancing panel, or is it better to go independently?
You will need to appoint Mitcham Junction solicitors independently although you'll need to choose one on the Yorkshire BS conveyancing panel. The solicitor represents both you and Yorkshire BS through the process.
I can not work out if my mortgage offer requires a lease extension. I have telephoned my Mitcham Junction building society branch on numerous occasions and was informed it wasn't a problem and they will lend. My Mitcham Junction conveyancing solicitor - who is on the lender conveyancing panel- telephoned to say that they would not lend in accordance with their UK Finance Lenders’ Handbook minimum lease term requirements. I have no idea who is right.
The solicitor has to follow the Council of Mortgage Lenders’ Handbook Part 2 conditions for your bank. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.
My sealed bid on a semi in Mitcham Junction has been accepted, the sellers do however have a tied purchase. The vendors have offered on a property, however it’s not been accepted yet, and have viewings of other flats in the pipeline. I have instructed a local conveyancing solicitor in Mitcham Junction. What do I do now? At what point do I apply for the mortgage with Santander?
It is understandable to have apprehensions where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey, Mitcham Junction conveyancing search fees, etc). First, you should check that your lawyer is on the Santander conveyancing panel. As to the next phase this very much dictated by the specifics of your case, desire for the property and on the state of the market. During a buoyant market some home buyers will apply for a home loan with Santander and pay for the valuation and only if it was satisfactory would they ask their conveyancer to proceed with the conveyancing in Mitcham Junction.
What can a local search inform me regarding the house we're buying in Mitcham Junction?
Mitcham Junction conveyancing often commences with the applying for local authority searches directly from your local Authority or via a personal search company for example Searchflow The local search is essential in every Mitcham Junction conveyancing purchase; as long as you don’t want any nasty once you have moved into your new home. The search will reveal data on, amongst other things, details on planning applications relevant to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 subject areas.
Are there restrictive covenants that are commonly identified as part of conveyancing in Mitcham Junction?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Mitcham Junction. 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…’
I am buying a new build apartment in Mitcham Junction. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.
Here is a sample of a few leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Mitcham Junction
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Please confirm the Lease plans are architect prepared. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Please supply a car parking plan.
I'm purchasing a house in Mitcham Junction. I can find my conveyancer's company on the CLC list, but I can't find my lawyer's name as listed on the regulator's website. Is this a big problem?
Not all staff in the company must be listed by the regulator. As long there is a manager qualified to 'oversee' the work, the actual day-to-day activity can be undertaken by unlicensed staff.