I am buying a newly built flat in Repton and my lawyer is telling me that she has to the bank to disclose incentives from the developer. I am on a tight deadline to exchange contracts and I have no desire to prolong deal. Is my lawyer right?
You should not exchange unless you have been advised to do so by your solicitor. A precondition to being on a bank panel is to comply with the UK Finance Lenders’ Handbook requirements. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
Can I use your services to recommend a Conveyancing solicitor in Repton even if I’m not buying or disposing of a house, for instance if I intend to acquire an office in Repton with a mortgage from Britannia?
Our search tool is predominantly utilised to find domestic conveyancing solicitors in Repton but we have listed at the bottom of this page a few Repton commercial conveyancing firms. You will need to speak with the solicitors directly to check if they are also authorised to represent Britannia
We are buying a 3 bedroom semi in Repton. The intention is to carry out a loft conversion at the house.Will the conveyancing process involve investigations to ascertain if these alterations were previously refused?
Your solicitor will check the registered title as conveyancing in Repton can on occasion reveal restrictions in the title documents which restrict categories of works or necessitated the permission of a 3rd party. Many extensions need local authority planning consent and approval under the building regulations. Many areas are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. You should check these things with a surveyor ahead of any purchase.
Can I be sure that the Repton conveyancing solicitor on the Barclays panel is any good?
When it comes to conveyancing in Repton obtaining recommendations is a good start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always advocate that you speak with the lawyer carrying out your transaction.
I've digested plenty of house buying guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Repton solicitor - who is on the Lloyds conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Lloyds will need an independent valuation of the property. Your lawyer will not arrange this. Usually Lloyds will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your conveyancing practitioner will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Repton postcode. As you are getting a mortgage with Lloyds, you could contact them to see if they have a list of approved surveyors in Repton.
The deeds to our home can not be found. The solicitors who did the conveyancing in Repton 10 years ago are no longer around. Will I be able to sell the house?
Assuming you have a registered title the information relating to your ownership will be held by the Land Registry with a Title Number. It is possible to perform a search at the Land Registry, find your property and secure up to date copies of the property title for less than a fiver. Where the property is Leasehold then the Land Registry will also normally hold a certified duplicate of the Registered Lease and again, a copy can be ordered for a small fee.
I decided to have a survey done on a property in Repton before instructing conveyancers. I have been informed that there is a flying freehold aspect to the property. The surveyor has said that some lenders may not grant a loan on this type of premises.
It depends who your proposed lender is. Lloyds has different instructions for example to Birmingham Midshires. If you e-mail us we can check with the relevant lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Repton. Conveyancing will be smoother if you use a solicitor in Repton especially if they regularly deal with such properties in Repton.
We're new on the property ladder - agreed a price, yet the agent told us that the owners will only move forward if we use the agent's recommended conveyancers as they want a ‘quick sale’. Our preferred option is to instruct a local conveyancer who is accustomed to conveyancing in Repton
It is highly unlikely the sellers are driving this. Should the seller want ‘a quick sale', turning down a serious buyer is likely to cause more damage than good. Speak to the vendors direct and explain that (a)you are serious buyers (b)you are excited to move forward, with finances in place © you do not need to sell (d) you wish to move quickly (e)but you intend to use your own,trusted Repton conveyancing firm - as opposed tothe ones that will provide their estate agent a introducer fee or hit his conveyancing figures pre-set by senior management.