My mortgage broker has asked me for my Thatcham lawyer’ panel member for the Santander conveyancing panel. Can you suggest how I discover this. I have tried my local Thatcham office but they cant find it on their system.
You are best placed to get this information from your Thatcham solicitor . They should have a central record lender panel numbers.
Do the Building Society Association intend to launch a online directory to to identify solicitors on the Norwich and Peterborough Building Society conveyancing panel for example in Thatcham?
We have not been informed any intention on the part of the BSA to develop such a search facility.
My father pointed out to me me that in purchasing a property in Thatcham there may be a number of restrictions prohibiting external changes to the property. Is this right?
We are aware of a number of properties in Thatcham which have some sort of restriction or requirement of consent to execute external variations. Part of the conveyancing in Thatcham should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
Can I be sure that the Thatcham conveyancing solicitor on the Virgin Money panel is any good?
When it comes to conveyancing in Thatcham getting recommendations is a good starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always advocate that you speak with the lawyer conducting your conveyancing.
I've read lots of house buying guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Thatcham solicitor - who is on the HSBC conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
HSBC will need an independent valuation of the property. Your lawyer will not arrange this. Usually HSBC 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. You may wish to consider appointing your own Thatcham surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
My wife and I have a semi-detached Edwardian property in Thatcham. Conveyancing solicitor acted for me and Bank of Scotland. I did a free Land Registry search last week and I saw a couple of entries: one for freehold, the second leasehold with the matching address. I thought I was buying a freehold how can I check?
You need to review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Thatcham and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with purchasers. You can also question the position with your conveyancing solicitor who conducted the work.
I am buying my first flat in Thatcham benefiting from help to buy. The developers refused to move on the amount so I negotiated £7000 of additionals instead. The estate agent advised me not inform my conveyancer about this extras as it may affect my mortgage with the lender. Should I keep quiet?.
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.
I am using a search engine for the words conveyancing in Thatcham it brings up many property lawyerslocally. How do I determine which is the suitable property lawyer for my move?
The ideal method of choosing the right conveyancer is through a trusted referral, so ask friends and relatives who have purchased a property in Thatcham or the respected estate agent or mortgage broker. Charges for conveyancing in Thatcham vary, so it's sensible to obtain a minimum of three estimates from different companies. Dont forget to clarify what costs in the quote includes.