What is the first thing I need to know about purchase conveyancing in Redhill?
You may not hear this from too many lawyers but conveyancing in Redhill and elsewhere in Surrey is often a confrontational process. In other words, when it comes to conveyancing there is lots of room for friction between you and other parties involved in the ownership transfer. For example, the seller, selling agent and on occasion the bank. Selecting a solicitor for your conveyancing in Redhill should not be taken lightly as your conveyancer is your adviser, and is the ONLY person in the process whose responsibility is to protect your legal interests and to protect you.
Sometimes a third party with a vested interest will try and sway you that it is in your interests to do things their way. For instance, the property agent may claim to be assisting by suggesting your solicitor is dragging his heels. Or your mortgage broker may try to convince you to do take action that is against your lawyers advice. You should always trust your lawyer above all other parties when it comes to the legal transfer of property.
I am expecting a AIP from Skipton 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 Skipton recommend any Redhill solicitors on the Skipton conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Redhill solicitors independently although you'll need to choose one on the Skipton conveyancing panel. The solicitor represents both you and Skipton through the process.
I am due to exchange contracts on my flat. I had a double glazing fitted in October 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, HSBC are being a right pain. The Redhill solicitor who is on the HSBC conveyancing panel is happy to accept ‘lack of building regulation’ insurance but HSBC are requiring a building regulation certificate. Why do HSBC have a conveyancing panel if they don't accept advice from them?
It is probably the case that HSBC have referred the matter to their valuer. The reason why HSBC may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
Kent Reliance have agreed my home loan in principle, my offer on a house in Redhill has been agreed to, what happens next?
Your property agent will wish to know who your solicitors are (be sure the conveyancing practitioners are on the lender’s approved list). Call up Kent Reliance or your broker and complete any outstanding forms. Kent Reliance will instruct a valuer who will get in contact with the estate agent or vendor to arrange an appointment. Once carried out (assuming no problems) it takes approximately a week to get a mortgage offer. Kent Reliance will issue the offer to you and your property lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Redhill.
I used Action Conveyancing a few years ago for my conveyancing in Redhill. I now require my papers but the law firm has closed. What do I do?
Do contact the Solicitors Regulatory Authority (SRA) to assist in tracing your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Redhill of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I am buying a new build apartment in Redhill. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.
Here are examples of a selection of leasehold new build questions that you should expect your new-build leasehold conveyancing in Redhill
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Please supply a car parking plan. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Please confirm the Lease plans are architect prepared. The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore. Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease.
I decided to have a survey completed on a property in Redhill ahead of instructing conveyancers. I have been told that there is a flying freehold overhang to the house. Our surveyor has said that some lenders may not give a loan on this type of property.
It varies from the lender to lender. HSBC has different instructions from Nationwide. If you contact us we can check via the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Redhill. Conveyancing will be smoother if you use a solicitor in Redhill especially if they are acquainted with such properties in Redhill.
How do I search for a Redhill solicitor on the Norwich and Peterborough Building Society conveyancing panel? I am a keen cyclist and am happy to travel upto 25miles to meet the solicitor.
You can use the tool on this website. Please choose the lender and your location and you will see a number of Redhill conveyancing lawyers locally. We have listed some Redhill conveyancing firms towards the end of this page and you can ring them to see if they are on the Norwich and Peterborough Building Society approved list