I am buying a property without a mortgage in Strawberry Hill. I have lived for the previous 15 years in Strawberry Hill. Conveyancing searches are expensive. Given that I have knowledge of the area and road very well must I have all the conveyancing searches?
In the absence of a home loan, then almost all of the Strawberry Hill conveyancing searches are non-obligatory. Your solicitor will try and sway you, perhaps strongly, that you should have searches carried out, but she has a professional duty to do this. Do bear in mind; if you are going to dispose of the house in the future, it could be of interest to your future purchaser what the searches determine. There are plenty of instances where premises with apparent issues can still reveal unpredicted search results. A good conveyancing solicitor in Strawberry Hill will be able to give you some sensible advice in this regard.
I am considering applying for a RBS mortgage for purchase of a newly converted (under development) in Strawberry Hill with 70% loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for RBS ?
In theory, you could use a solicitor that is not on the RBS conveyancing panel, but RBS would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same transaction.
We have agreed to purchase a house in Strawberry Hill. One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Lloyds be concerned?
As you are obtaining a mortgage with Lloyds your lawyer must check the conveyancing requirements outlined in Section two of UK Finance Lenders’ Handbook for Lloyds. The Council of Mortgage Lenders’ Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Lloyds where a lease does not comply with these provisions. The conditions relate to the installation of panels on properties nationwide and is not isolated to Strawberry Hill.
After months of negotiation I have agreed a price on an apartment in Strawberry Hill. My financial adviser pressured me to appoint their solicitor. I paid an advanced payment of £200. A few days later, the conveyancing practitioner contacted me sheepishly admitting that they were not on the HSBC conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the HSBC panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I have instructed a Strawberry Hill conveyancing practitioner having made sure that they are on the Skipton conveyancing panel. Does my lawyer arrange the survey of the property?
Skipton will need an independent valuation of the property. Your lawyer will not arrange this. Usually Skipton 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. Your conveyancing practitioner will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Strawberry Hill postcode. As you are getting a mortgage with Skipton, you could contact them to see if they have a list of approved surveyors in Strawberry Hill.
I am buying a new build house in Strawberry Hill with the aid of help to buy. The developers would not budge the amount so I negotiated 6k of extras instead. The house builders rep advised me not disclose to my conveyancer about this deal as it will impact my mortgage with Platform Home Loans Ltd. 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.
Hoping to buy a property located in Strawberry Hill and I am already nervous. I couldn't find anything specific about Strawberry Hill. Conveyancing will be needed in due course but do you know about the Strawberry Hill area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Strawberry Hill. In the meantime here are some basic statistics that we found
What can I do to find out who owns a house in Strawberry Hill?
Provided the property is registered with HM Land Registry, and you have enough information of the location of the premises, you will be able to obtain details from the HMLR of the recorded owner for a fee.