It is is a decade since I acquired my property in Ramsbottom. Conveyancing lawyers have recently been instructed on the sale but I can't track down my title documents. Will this jeopardise the sale?
Don’t worry too much. Firstly the deeds may be kept by your mortgage company or they may be archived with the solicitor who acted in your purchase. Secondly in most cases the land will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers obtaining current official copies of the land registers. Nearly all conveyancing in Ramsbottom relates to registered property but in the unlikely event that your property is not registered it adds to the complexity but is not insurmountable.
My wife and I have recently appointed a conveyancing solicitor in Ramsbottom. I I am struggling to find out whether they are on the TSB conveyancing panel. Could you assist?
You should e-mail your lawyer and enquire whether they can act for the lender. Alternatively you can call TSB who may be able to assist.
My aunt pointed out to me me that in buying a property in Ramsbottom there could be a number of restrictions prohibiting external alterations to a property. Is this right?
We are aware of anumerous of properties in Ramsbottom which have some sort of restriction or requirement of consent to perform external variations. Part of the conveyancing in Ramsbottom should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
We were going to get a OIP from Santander this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Santander recommend any Ramsbottom solicitors on the Santander conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Ramsbottom solicitors independently although you'll need to choose one on the Santander conveyancing panel. The solicitor represents both you and Santander through the process.
I had an offer accepted on an apartment in Ramsbottom on 23/9/2024, valuation was booked 4 days later, all came back fine. Solicitor instructed, so all that was missing was my mortgage offer. Having made daily calls to Virgin Money and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Virgin Money conveyancing panel. Are Virgin Money entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Virgin Money to deal with your lawyer's application to be on the Virgin Money conveyancing panel. There's no guarantee that your solicitor will be accepted.
Is it necessary to take out insurance to protect me from financial exposure to chancel repairs when acquiring a house in Ramsbottom?
Unless a previous acquisition of the premises took place after 12 October 2013 you could assume that lawyers carrying out conveyancing in Ramsbottom to continue to propose a a chancel search and or chancel repair liability insurance.
I am purchasing my first flat in Ramsbottom with the aid of help to buy. The builders refused to move on the amount so I negotiated £7000 of additionals instead. The house builders rep advised me not inform my lawyer about this extras as it may affect my loan with the lender. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
What does commercial conveyancing in Ramsbottom cover?
Commercial conveyancing in Ramsbottom incorporates a broad array of advice, offered by regulated solicitors, relating to business property. For example, this area of conveyancing can cover the sale or purchase of freehold business premises or, more commonly, the assignment of existing leases or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial mortgages and the termination of tenancies.