My financial adviser requires my Romsley law firm’s panel reference for the Santander conveyancing panel. How do I discover this. I have contacted my local Romsley branch but they cant find it on their system.
You are best placed to get this information from your Romsley solicitor . They retain a central record lender panel numbers.
We were just about to exchange contracts for a garden flat in Romsley. We have hit a stumbling block. Our mortgage offer with Yorkshire Building Society runs out on 10/11/2025 but the sellers are insisting on a completion date of 12/11/2025. Is it possible to prolong the mortgage expiry date?
The best person to deal with your issue is your solicitors who should calculate if they better off negotiating with the mortgage broker, owner’s representatives, property agents or conceivably all parties taking into account what has happend in your conveyancing as of today.
I am purchasing a property in Romsley. An unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender HSBC be concerned?
As you are obtaining a mortgage with HSBC your lawyer must comply with the conveyancing requirements contained in Part 2 of UK Finance Lenders’ Handbook for HSBC. The Council of Mortgage Lenders’ Handbook includes minimum requirements for solar panel roof-space leases, and lawyers are required to report to HSBC where a lease fails to comply with these requirements. The specifications relate to the installation of panels on properties in England and Wales and is not isolated to Romsley.
Intending to buy a house in Romsley. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Principality 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 Romsley conveyancing practitioner is on the Principality conveyancing panel.
I have instructed a Romsley lawyer having made sure that they are on the Virgin Money conveyancing panel. Does my lawyer arrange the survey of the property?
Virgin Money will need an independent valuation of the property. Your lawyer will not arrange this. Usually Virgin Money 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. You may wish to consider appointing your own Romsley surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
I note that there are debates on Chancel Insurance on online forums. Do I need chancel insurance when buying a house in Romsley? or Apparently there is a law dating back centuries that means some house owners living in a parish church boundary may be liable to pay for maintenance towards the chancel within the church. Is this relevant for conveyancing in Romsley?
Unless a prior acquisition of the property took place post 12 October 2013 you could expect lawyers conducting conveyancing in Romsley to remain encouraging a chancel search and or insurance against a claim.
I am purchasing my first flat in Romsley with a loan from Aldermore. The builders refused to reduce the price so I negotiated £7000 of fixtures and fittings instead. The property agent told me not inform my conveyancer about the extras as it may jeopardize my loan with Aldermore. Should I keep quiet?.
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.
I opted to have a survey done on a house in Romsley in advance of retaining lawyers. I have been informed that there is a flying freehold aspect to the house. Our surveyor has said that some lenders tend not issue a mortgage on such a house.
It depends who your proposed lender is. Santander has different instructions from Nationwide. Should you wish to call us we can check via the relevant lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Romsley. Conveyancing may be slightly more expensive based on your lender's requirements.