We have agreed to purchase a house in St Ives. A rare aspect is that the roof has a solar panel. Yorkshire BS 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 Yorkshire BS your lawyer must comply with the formal instructions contained in Part 2 of UK Finance Lenders’ Handbook for Yorkshire BS. The Council of Mortgage Lenders’ Handbook contains minimum requirements for solar panel roof-space leases, and lawyers are required to report to Yorkshire BS where a lease does not meet these specifications. The provisions relate to the installation of panels on properties in England and Wales and is not restricted to St Ives.
I have today made my last payment due on my mortgage with Aldermore. I assume I don't need a St Ives lawyer on the Aldermore panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Aldermore mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Aldermore mortgage from the register. Aldermore, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Aldermore has sent the Land Registry the discharge electronically, and
- Aldermore has instructed the Land Registry to do so
I am selling my flat. I had a double glazing fitted in June 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Barclays are being pedantic. The St Ives solicitor who is on the Barclays conveyancing panel is saying indemnity insurance will be fine but Barclays are requiring a building regulation certificate. Why do Barclays have a conveyancing panel if they don't accept advice from them?
It is probably the case that Barclays have referred the matter to their valuer. The reason why Barclays may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
We are purchasing a house and the solicitor has raised the issue of Chancel Repair for which the property may be liable given it’s proximity to the area of such a church. She has recommended insurance. Is this really warranted for conveyancing in St Ives
Unless a previous purchase of the property took place post 12 October 2013 you may take it that lawyers handling conveyancing in St Ives to continue to recommend a chancel search and or chancel repair liability policy.
I used Stirling Law several years past for my conveyancing in St Ives. Now, I need the documents however the law firm has closed. What do I do?
You should contact the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in St Ives of the conveyancing firm of solicitors you previously hired, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
How do I identify a St Ives solicitor on the Barclays conveyancing panel? I have wheels and am willing to travel upto 25kilometers to meet the conveyancer.
Feel free to make use of the search on this website. Please select a bank and your location and you will see a number of St Ives conveyancing lawyers based on proximity. We have detailed some St Ives conveyancing firms towards the end of this page and you can telephone them to see whether they are on the Barclays approved list
My uncle has encouraged me to use his conveyancing solicitors in St Ives. Do I take his recommendation?
There are no two ways about it the best way to find a conveyancing practitioner is to have feedback from friends or relatives who have actually experience in using the firm you're are thinking of instructing.
Are you able to explain what my options are where my St Ives conveyancing searches shows negative entries?
Ordinarily, almost all issues that arise in St Ives conveyancing search results can be dealt with ahead of completion or indemnity insurance can be obtained. It is crucial to note that regardless of the fact that you intend on purchasing the premises and may be willing to accept the search results, your lender may not, and ultimately have the final decision.