Me and my partner are buying a flat in Rye. I might seem paranoid but how we can trust a lawyer? At some point we have to send funds into their account. What protection do we have from them run away with our deposit?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
My husband and I have arranged the release of further monies on our mortgage from Lloyds as we intend to carry out alterations to our property in Rye. Do we need to choose a nearby Rye solicitor on the Lloyds conveyancing panel to deal with the legals?
Lloyds don't usually appoint firms on their conveyancing panel to handle such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Lloyds panel.
I am buying a property in Rye. A rare aspect is that the roof has a solar panel. Santander have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As you are obtaining a mortgage with Santander your lawyer must follow the formal instructions contained in Part 2 of UK Finance Lenders’ Handbook for Santander. The Council of Mortgage Lenders’ Handbook sets out minimum conditions for solar panel roof-space leases, and conveyancers are required to report to Santander where a lease does not meet these provisions. The requirements relate to the installation of panels on properties in England and Wales and is not isolated to Rye.
I purchased my house on 7 August and the transaction details is yet to be registered. Any reason for this? My conveyancing solicitor in Rye said it will be formalised in a couple of weeks. Are titles in Rye uniquely lengthy to register?
As far as conveyancing in Rye registration is no faster or slower than the rest of the country. Rather than based on location, timeframes can vary depending on who lodges the application, whether there are errors and whether the Land registry have to notify any interested persons or bodies. At present in the region of 80% of such applications are completed within two weeks but some can be subject to protracted hold-ups. Registration takes place after the purchaser has moved in to the property so registration formalities is not usually primary concern yet where it is urgent that the the registration takes place urgently then you or your conveyancer must communicate with the Registry to express the reasoning for the application to be prioritised.
Due to the advice of my in-laws I had a survey completed on a house in Rye prior to appointing conveyancers. I have been advised that there is a flying freehold aspect to the property. Our surveyor advised that some banks may refuse to grant a mortgage on a flying freehold premises.
It depends who your proposed lender is. Lloyds has different requirements from Halifax. If you e-mail us we can investigate further with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Rye. Conveyancing will be smoother if you use a solicitor in Rye especially if they are acquainted with such properties in Rye.
Given that I will soon spend 450k on a two bedroom apartment in Rye I wish to talk to a solicitor about myhome move prior to appointing the firm. Is this something that you can arrange?
Absolutely - we would be delighted to talk to you we do not take any clients on without you speaking to the conveyancer due to be doing your conveyancing in Rye.There is no ‘factory style conveyancing’ - every client is unique individual, not a matter reference. The solicitors that we put you in touch with believe that the fees you are calculated and presented to you for residential conveyancing in Rye should be the figure that you are charged.
Am I better off to go with a Rye conveyancing practitioner in close proximity to the house I am purchasing? I have an old university friend who can perform the conveyancing but his firm is located approximately 350kilometers away.
The primary upside of using a local Rye conveyancing practice is that you can drop in to sign documents, hand in your identification documents and apply pressure on them where appropriate. They will also have local knowledge which is a benefit. However it's more important to get someone that will do a good and efficient job. If if people you trust used your friend and in the main were happy that must trump using an unknown Rye conveyancing lawyer just because they are local.
Is it necessary during the course of the conveyancing process to visit the offices of the lender conveyancing panel solicitor to sign the legal charge? If so, I will instruct a firm who offer conveyancing in Rye as it will be easier to attend their offices when needed.
Most conveyancing panel lawyers for the bank undertake all of the work via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. YOu dont have to use a conveyancing solicitor in Rye. However you should check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.