Please help. My Rainham conveyancer is informing me me that she is duty bound toconduct Rainham conveyancing searches due to the fact thatthe firm are on the HSBCapproved lawyer panel. These Rainham checks cost a lot of money can this be avoided?
You have limited options available to you. As you are taking a home loan with a lender your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your solicitor would have previously signed the Terms and Conditions of your lender’s conveyancing panel appointment which obliges them to follow the CML Handbook specifications . Even if you were a cash buyer you would be ill advised not to carry out Rainham conveyancing searches.
I am assisting my aunt sell her property in Rainham. Will the conveyancer order an EPC or it is for the seller to coordinate?
After the demise of HIPs, energy performance certificates was retained a mandatory element of selling a property. An energy assessment needs to be commissioned before the property is marketed. It is not a task that conveyancers normally arrange. If you are instructing a Rainham conveyancing lawyer they might be willing to arrange energy performance certificates due to their contacts with reputable Rainham accredited person
Last month we had a mortgage agreed in principle with Skipton. Rainham conveyancing solicitors are instructed. How long does it take for Skipton to send the offer to the property lawyer?
Some lenders take longer than others. Have Skipton completed the survey? Have you informed Skipton as to your lawyers' details and checked that your lawyers are on the Skipton conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
About to purchase house in Rainham. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Kent Reliance conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Rainham solicitor is on the Kent Reliance conveyancing panel.
Various internet forums that I have come across warn that are the primary reason for stalling in Rainham house deals. Is there any truth in this?
The Council of Property Search Organisations (CoPSO) has noted the findings of a review by MoveWithUs that conveyancing searches do not figure within the top 10 causes of hindrances during the legal transfer of property. Searches are unlikely to feature in any slowing down conveyancing in Rainham.
It has been 2 months following my purchase conveyancing in Rainham took place. I have checked the Land Registry site which shows that I paid £175,000 when infact I paid £170,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
Yesterday I discovered that there is a flying freehold element on a house I have offered on last month in what was supposed to be a straight forward, chain free conveyancing. Rainham is where the house is located. Can you shed any light on this issue?
Flying freeholds in Rainham are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Rainham you would need to get your solicitor to go through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Rainham may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
We are a fortnight into a residential purchase having been directed to a firm by the high street agent to do our conveyancing in Rainham. I am not happy. Could you you assist me in finding new lawyers?
They would have to be really bad to suggest diss instructing them. Has your loan offer been issued? If so you must inform them of the new conveyancer and have the loan are issued to the new lawyers. Your new conveyancer should be on the lenders approved list to avoid escalating costs and delays. That should be your first question of the new lawyers. Our search tool will help you find a lender approved solicitor for your home move in Rainham