Much to our surprise we have been informed by our IFA that my Tiptree the law firm I have appointed is not on the mortgage company Conveyancing panel. How can I check?
Your first step should be to call your Tiptree conveyancer. You lawyer should notify you what has happened. Where they are not on the panel they may be able to suggest a Tiptree conveyancing practice that is on the approved list of lawyers for your lender.
We wanted to use a property lawyer in Tiptree for our house purchase. Our broker has since notified us that our bank Skipton Building Society won't deal with them. Why is this not regarded as unduly restrictive?
A bank will direct that a panel solicitor act for it. You would be expected to bear the cost of this. Try using our tool to select a solicitor to conduct conveyancing in Tiptree on the Skipton Building Society member panel.
My aunt pointed out to me me that in buying a property in Tiptree there may be a number of restrictions affecting the ability to carry out external changes to the property. Is this right?
We are aware of anumerous of properties in Tiptree which have some sort of restriction or requirement of consent to perform external variations. Part of the conveyancing in Tiptree should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
Is it the case that all Tiptree CQS (Conveyancing Quality Scheme) solicitors are on the Lloyds conveyancing list of approved practices?
It is true that some banks and building societies now make use of the accreditation scheme as the kick off point for Panel approval such as HSBC and Santander. CQS accreditation however gives no guarantee to lender panel acceptance. Nevertheless,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for solicitors wishing to join their approved list of firms.
I am purchasing a property in Tiptree. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Clydesdale be concerned?
Given that your lender is Clydesdale your lawyer must check the conveyancing requirements outlined in Part 2 of UK Finance Lenders’ Handbook for Clydesdale. The Council of Mortgage Lenders’ Handbook contains minimum conditions for solar panel roof-space leases, and conveyancers are required to report to Clydesdale where a lease does not comply with these conditions. The conditions relate to the installation of panels on properties nationwide and is not restricted to Tiptree.
Yesterday I discovered that there is a flying freehold element on a house I have offered on last month in what should have been a simple, no chain conveyancing. Tiptree is the location of the property. Is there any advice you can impart?
Flying freeholds in Tiptree are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Tiptree you would need to get your solicitor to go through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Tiptree may decide 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 premises.
I need to retain a conveyancing solicitor for some conveyancing in Tiptree. I happened to stumble across a web site which looks to be the perfect answer If it is possible to get all this stuff completed via web that would be ideal. Do I need to be wary? What should out be looking out for?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?
We yesterday discovered that one of the directors of the firm acting on the purchase conveyancing in Tiptree is related to the vendor. Is this permitted?
Provided no conflict arises this is permitted. Where you are obtaining a home loan then the mortgage company may have a say as many lenders have specific requirements concerning this. For example for Chelsea Building Society as of 20/1/2025, the requirements read as follows :
* there is no conflict of interest and none arises during the transaction
* the firm is a partnership
* the conveyancer acting is not the borrower or a member of the borrower's immediate family.