Please help. My Selsdon conveyancer is informing me me that he has toconduct Selsdon conveyancing searches becausethe firm are on the Santanderconveyancing panel. Is my solicitor right?
You have limited options available to you. Given that you are taking out a loan with a lender your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your solicitor would have previously signed the Terms and Conditions of your lender’s conveyancing panel appointment which obliges them to comply with the CML Handbook conditions . Even if you were a cash buyer you would be ill advised not to carry out Selsdon conveyancing searches.
I am purchasing a garden flat in Selsdon. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing in Selsdon you will have to appoint a solicitor on your bank's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Selsdon.
Me and my brother purchased a terraced Victorian property in Selsdon. Conveyancing practitioner acted for me and Godiva Mortgages Ltd. I happened to do a free search for it on the Land Registry database and there are two entries: one for freehold, another for leasehold with the exact same address. I'd like to know for sure, how can I find out??
You need to assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Selsdon and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with lenders. You can also enquire as to the situation with your conveyancing solicitor who conducted the work.
I'm purchasing a new build house in Selsdon with a mortgage from Norwich and Peterborough Building Society. The sellers would not reduce the price so I negotiated £7000 of extras instead. The sale representative advised me not to tell my conveyancer about the extras as it may jeopardize my mortgage with the bank. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder 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.
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We're first time buyers - agreed a price, but the selling agent advised that the vendor will only go ahead if we use the agent's preferred solicitors as they are insisting on an ‘expedited deal’. Our preferred option is to instruct a local conveyancer with experience of conveyancing in Selsdon
It is highly unlikely the owners are behind this. If they desire ‘a quick sale', turning down a serious purchaser is is going to put the whole deal at risk. Avoid the agents and go straight to the sellers and explain that (a)you are genuine purchasers (b)you are ready to go, with finances arranged © you do not need to sell (d) you intend to proceed fast (e)but you intend to appoint your preferred Selsdon conveyancing firm - rather thanthose that will provide their estate agent a kickback or hit his conveyancing thresholds demanded by senior management.