We hope to to buy with Darlington Building Society. I popped in a couple of local practices yet am struggling to find a Surrey conveyancing firm on the Darlington Building Society approved list. Could you help?
Please do make use of the search tool on this web page. Please choose the lender and type Surrey or your location and you will discover numerous solicitors located in Surrey or near you.
My stepmother informed me that in buying a property in Surrey there could be various restrictions affecting the ability to carry out external changes to the property. Is this right?
We are aware of anumerous of properties in Surrey which have some sort of restriction or requirement of consent to execute external alterations. Part of the conveyancing in Surrey should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
We have agreed to purchase a house in Surrey. An unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Aldermore be concerned?
As your lender is Aldermore your lawyer must comply with the formal requirements set out in Section two of UK Finance Lenders’ Handbook for Aldermore. The Council of Mortgage Lenders’ Handbook contains minimum specifications for solar panel roof-space leases, and conveyancers are required to report to Aldermore where a lease fails to satisfy these provisions. The specifications relate to the installation of panels on properties countrywide and is not restricted to Surrey.
The mortgage over my property is with Barclays for my property in Surrey. Conveyancing has been completed months ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Barclays?
Your original mortgage agreement with Barclays will provide that you need their approval in advance of letting out your property as this is likely to be a breach of Barclays’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Barclays directly. It should not be necessary to do this via a Barclays conveyancing panel solicitor.
2 months have gone by since my purchase conveyancing in Surrey took place. I have checked the Land Registry website which shows that I paid £200,000 when infact I paid £215,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the premises from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I've recently found out that there is a flying freehold element on a house I put an offer in last month in what was supposed to be a quick, chain free conveyancing. Surrey is the location of the property. Can you shed any light on this issue?
Flying freeholds in Surrey are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Surrey you must be sure that your lawyer goes through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Surrey may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
My husband and I are a couple of weeks into a residential purchase having been referred to solicitors by the selling agent to handle our conveyancing in Surrey. I am am extremely frustrated with the quality of service. Could you help me find new solicitors?
They would need to be really poor in order to consider changing them. Has the loan offer been sent? If so you must make them aware of the new contact details and get the loan are re-issued. Your solicitor ideally should be on the lenders panel to avoid escalating fees and frustration. So that should be your starting point. Our search tool should help you find a lender approved solicitor for your conveyancing in Surrey
I have checked your search tool I can't find the lawyer I was hoping to instruct as being on the mortgage company conveyancing panel. My lawyer has said that they are on the bank approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the mortgage company conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the mortgage company solicitor panel.