I require conveyancing for a flat in a fairly new development (6 years built) in Selsdon. The vast majority the flats are already sold. Is it strictly necessary to order conveyancing searches for my conveyancing in Selsdon?
If you are acquiring a property with the assistance of a mortgage, your lender will need some (many) of the searches so you'll have no choice. If not, then Selsdon conveyancing searches are for you to decide upon. Your solicitor, will 'advise', perhaps strongly, that you should not go ahead without searches, but he or she has a professional duty to do this. One thing to bear in mind; if you are likely to sell the house one day, it may be of interest to your future buyer what the searches contain. Sometimes houses with no practical issues can still throw up adverse search results. But if you insist that your lawyer to proceed without searches then your lawyer will have to follow your instructions or you may need to instruct a new lawyer for your conveyancing in Selsdon.
Me and my partner are buying a property in Selsdon. It might be a silly question but how we can trust a lawyer? At some point we have to deposit money into their account. What is the protection 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 aunt advised me that in purchasing a property in Selsdon there could be a number of restrictions preventing external changes to the property. Is this right?
There are a number of properties in Selsdon which have some sort of restriction or requirement of consent to execute external alterations. Part of the conveyancing in Selsdon should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
My husband and I have arranged a further advance on our mortgage from HSBC as we wish to conduct a loft conversion to our house in Selsdon. Are we obliged to choose a local Selsdon solicitor on the HSBC conveyancing panel to deal with the legals?
HSBC don't usually appoint a member of their approved list of lawyers to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the HSBC panel.
A friend recommended that if I am buying in Selsdon I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is sometimes quoted for as part of the standard Selsdon conveyancing searches. It is not a small report of more than thirty pages, listing and detailing significant information about Selsdon around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Selsdon Education with maps and statistics, Local Amenities and other useful information about Selsdon.
Are there restrictive covenants that are commonly identified as part of conveyancing in Selsdon?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Selsdon. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
Taking into account that I am about to part with 450k on a two bedroom apartment in Selsdon I would like to talk to a solicitor concerning thetransaction prior to giving the go ahead to the firm. Can this be arranged?
This is something that we recommend - it is our preference to talk to you we do not take any clients on without you first talking to the lawyer due to be doing your property ownership legalities in Selsdon.There is no ‘factory style conveyancing’ - each client is unique individual, not a matter number. The solicitors that we put you in touch with believe that the figure you are calculated and presented to you for your conveyancing in Selsdon should be the figure that you are charged.
We are purchasing a three room maisonettein Selsdon with a loan from a mortgage company. We would like to retain our lawyer in Selsdon but our bank inform us now that she’s not on their "panel". It seems we have little choice but to instruct one of the our bank panel solicitors or keep our Selsdon solicitor and pay for one of their panel ones to represent our lender. This seems very unfair; Can we not simply insist that our mortgage company use our Selsdon lawyer?
No, not really. The lender home loan issued is subject to its terms and conditions, one of which will be that solicitors will on the mortgage company's conveyancing panel. in the past, most banks had large numbers of law firms on their panels, including almost all conveyancing solicitors in Selsdon : a mortgagee could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your lawyer to apply to be on the conveyancing panel for your mortgage company.