I am getting a mortgage offer from Nat West. I hope to instruct a Licensed Conveyancer in Norris Green. Does the Nat West Solicitor panel include Licensed Conveyancers?
The Nat West approved solicitor list is, like many other lenders, represented by the CML or Building Society Association, open to Licensed Conveyancers regulated by the CLC.
My wife and I are only a couple days away from an exchange on a flat in Norris Green and my parents have sent the 10% deposit to my solicitor. I am now advised that as the deposit has not come from me my solicitor needs to disclose this to my lender. I am advised that, in also acting for the mortgage company he must advise them that the balance of the purchase price is not just from me. I advised the mortgage company concerning my parents' contribution when I applied for the mortgage, so is it really necessary for him to raise this?
The lawyer is duty bound to check with lender to make sure that they know that the balance of the purchase price is not from your own resources. The solicitor can only reveal this to your mortgage company if you agree, failing which, your lawyer must cease to continue acting.
We are selling our apartment in Norris Green. Will the lawyer have to be required to be on the Leeds Building Society conveyancing panel in order to deal with the discharge of my mortgage?
Ordinarily, even if your lawyer is not on the Leeds Building Society conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their specifications fairly frequently at the moment.
Are there restrictive covenants that are commonly picked up during conveyancing in Norris Green?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Norris Green. 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…’
Given that I will soon spend over three hundred thousand on a house in Norris Green I would like to have a conversation with the lawyer about myhouse move before instructing the firm. Is this something that you can arrange?
This is something that we recommend - it is our preference to talk to you we do not take any clients on without you speaking to the lawyer due to be doing your property ownership legalities in Norris Green.There is no ‘factory style conveyancing’ - each client is unique person, not a file number. The solicitors that we put you in touch with believe that the figure you are calculated and presented to you for residential conveyancing in Norris Green should be the amount on the final invoice that you are charged.
My parents are having difficulties in finding their Norris Green property on the HM Land Registry site. They have a vague memory fifty years ago when they acquired the house there were complications regarding Norris Green not being identified on some systems.
Nearly all residences in Norris Green should be revealed. Have you limited your search to simply the postcode. Usually it will disclose all the properties within the postcode. Where registered it will show up with a title number. Where they bought sixty years ago it's conceivable it may be unregistered. The address could still be revealed but with the title number shown 'na'. In this scenario you will need to locate the original title documentation which may be with your parent’s lender.