We are getting closer to an exchange on a property in Noak Hill and my mum and dad have sent the ten percent deposit to my lawyer. I am now told that as the deposit has been received from someone other than me my lawyer needs to disclose this to my bank. I am advised that, in also acting for the mortgage company he must advise them that the balance of the purchase price is coming from anyone other than me. I disclosed to the mortgage company regarding my parents' contribution when I applied for the mortgage, so is it really appropriate for him to raise this?
Your lawyer is obliged to clarify with mortgage company to make sure that they understand that the balance of the purchase price is not from your own resources. Your solicitor can only reveal this to your lender if you permit them to, failing which, your lawyer must cease to continue acting.
It is is a decade since I purchased my house in Noak Hill. Conveyancing lawyers have now been appointed on the sale but I can't find the deeds. Is this a major issue?
You need not be too concerned. First the deeds may be retained by the lender or they could be in the possession of the solicitor who oversaw your purchase. Secondly the chances are that the title will be recorded at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors acquiring up to date copy of the land registers. Nearly all conveyancing in Noak Hill relates to registered property but in the unlikely event that your home is unregistered it is more tricky but is not insurmountable.
I am helping my mother sell her property in Noak Hill. Does the conveyancer commission the EPC or do I organise this?
Following the abolition of Home Information Packs, energy performance certificates was retained a mandatory component of selling a property. An energy performance certificate must be commissioned prior to the property being put on the market. It is not as aspect of the sale process that law firms ordinarily arrange. Where you are using a Noak Hill conveyancing solicitor they might be willing to arrange energy performance certificates given their contacts with reputable Noak Hill energy assessors
I'm in the throws of viewing houses in Noak Hill and I am about to put in an offer. Should I already have a conveyancer appointed at this stage? I will be getting a home loan with Kent Reliance.
You should start obtaining conveyancing estimates from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and forward their details on to the selling agent. As you are getting a mortgage with Kent Reliance, make sure you remember to check that your lawyer is on the Kent Reliance conveyancing panel.
I have a mortgage with Principality for my property in Noak Hill. Conveyancing was finalised some time ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Principality?
Your original mortgage agreement with Principality will provide that you need their approval prior to renting your property as this is likely to be a breach of Principality’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Principality directly. It should not be necessary to do this via a Principality conveyancing panel firm.
Is it possible to change solicitor as I need to choose one who is on the Chelsea Building Society conveyancing panel. I had appointed a high street conveyancing solicitor in Noak Hill round the corner but she is not accepted by Chelsea Building Society
We will our best to assist in finding you a conveyancing solicitor in Noak Hill on the Chelsea Building Society panel. Please note that the property lawyers that we on the directory do not pay us commission if you instruct them and are regulated by the SRA who regulate all conveyancing solicitors in Noak Hill. Using search facility on this site, you can compare and instruct different solicitors and conveyancers both nationally and in Noak Hill.
My step-father has suggested that I appoint his lawyers for conveyancing in Noak Hill. Should I find my own solicitor?
Much as we are happy to recommend a Noak Hill conveyancing lawyer the ideal way to select a conveyancing solicitor is to have referrals from friends or relatives who have experience in using the conveyancer you're contemplating using.
For various reasons I am not able to visit my Noak Hill conveyancing lawyers office to execute documents connected to my conveyancing in Noak Hill – is this a problem?
Not a problem. Noak Hill conveyancing lawyers can undertake conveyancing transactions for clients who are based anywhere. You are unlikely to be required to be present a Noak Hill conveyancers office. They can handle everything via phone, post and email - whatever works for you.