I am obtaining a mortgage with Halifax. I hope to instruct a Licensed Conveyancer in Upney. Does the Halifax Conveyancing panel allow for conveyancers regulated by the CLC?
The Halifax conveyancing panel is, like many other lenders, represented by the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
Our Upney lawyer has identified an inconsistency between the surveyor’s assumptions in the home valuation report and what is revealed within the conveyancing documents. My lawyer has advised that he must ensure that the lender is happy with this discrepancy and is content to go ahead. Is my lawyer’s stance legitimate?
Your conveyancing practitioner must comply with the UK Finance Lenders’ Handbook specifications which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.
Completed the sale of my flat in Upney last December yet the purchaser is SMS messaging every few hours to say their lawyer needs to hear from mine. What are the post completion sale legalities following completion?
Following your house sale your conveyancer is obliged to forward the transfer documentation and all additional paperwork to the purchaser's conveyancer. Depending on the transaction, your solicitor should also evidence that the home loan has been redeemed to the buyers lawyers. There are no post completion procedures specific conveyancing in Upney.
My brother-in-law has suggested I instruct a conveyancing solicitor in Upney. I need to find out whether they are on the Clydesdale conveyancing panel. Can you help?
You should contact your solicitor and ask them whether they are on the lender panel. Alternatively please get in touch with Clydesdale who may be able to assist.
The deeds to our property can not be found. The solicitors who handled the conveyancing in Upney 4 years ago have long since closed. Will I be able to sell the house?
As long as you have a registered title the information relating to your proprietorship will be retained by HMLR with a Title Number. It is possible to perform a search at the Land Registry, locate your property and order up to date copies of the property title for a small fee. Where the title is Leasehold then the Land Registry will also normally hold a certified duplicate of the Registered Lease and again, a copy can be retrieved for a small fee.
Due to the input of my in-laws I had a survey completed on a property in Upney before appointing lawyers. I have been advised that there is a flying freehold element to the house. The surveyor has said that some lenders will not grant a mortgage on such a house.
It depends who your proposed lender is. Bank of Scotland has different instructions for example to Birmingham Midshires. Should you wish to telephone us we can investigate further via the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Upney. Conveyancing may be slightly more expensive based on your lender's requirements.