My brother-in-law has suggested I instruct a conveyancing solicitor in Warsash. I I would like to check if they are on the Platform Home Loans Ltd conveyancing panel. Can you assist?
The first thing you should do is call your lawyer and enquire if they can act for the lender. Alternatively you should get in touch with Platform Home Loans Ltd who may be able to confirm.
We had appointed conveyancers locally in Warsash on the UBS solicitor approved list. They have just invoiced me an additional amount for dealing with the UBS mortgage. Is this a supplemental conveyancing fee specified by UBS?
Provided it is contained in their Terms of Engagement or estimate then yes your solicitor is entitled to levy a fee for this. The charge is not set by UBS but by your Warsash property lawyer. Numerous firms on the UBS panel will levy an ‘acting for lender’ fee but many firms incorporate it on their overall fee.
I am expecting a OIP from Bank of Ireland this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Bank of Ireland recommend any Warsash solicitors on the Bank of Ireland conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Warsash solicitors independently although you'll need to choose one on the Bank of Ireland conveyancing panel. The solicitor represents both you and Bank of Ireland through the process.
I am due to exchange contracts on my flat. I had a double glazing fitted in March 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Yorkshire BS are being difficult. The Warsash solicitor who is on the Yorkshire BS conveyancing panel is recommending indemnity insurance as a solution but Yorkshire BS are requiring a building regulation certificate. Why do Yorkshire BS have a conveyancing panel if they don't accept advice from them?
It is probably the case that Yorkshire BS have referred the matter to their valuer. The reason why Yorkshire BS may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
I acquired my flat on 10 March and the transaction details is yet to be on the land registry website. Should I be concerned? My conveyancing solicitor in Warsash said it will be concluded in a couple of weeks. Are titles in Warsash uniquely lengthy to register?
As far as conveyancing in Warsash registration is no faster or slower than the rest of the country. Rather than based on location, timescales can differ according to the party submitting the application, whether there are errors and if the Land registry must send notices to any other parties. At present in the region of three quarters of submission are fully dealt with in less than three weeks but occasionally there can be extensive delays. Registration occurs after the purchaser is living at the property so 'speed' is not usually top priority but if it is urgent that the the registration takes place urgently then you or your solicitor could communicate with the Registry to express the reasoning for the application to be prioritised.
I'm buying my first flat in Warsash benefiting from help to buy. The builders refused to reduce the price so I negotiated 6k of fixtures and fittings instead. The estate agent told me not to tell my lawyer about this side-deal as it would jeopardize my loan with the lender. 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 UK Finance website. UK Finance 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've recently found out that there is a flying freehold issue on a house I have offered on last month in what should have been a quick, no chain conveyancing. Warsash is where the house is located. Can you offer any advice?
Flying freeholds in Warsash are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Warsash 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 Warsash 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.
As co-executor for the will of my father I am selling a house in Newport but reside in Warsash. My lawyer (approximately 250 kilometers from mehas requested that I execute a stat dec before completion. Could you suggest a conveyancing solicitor in Warsash who can attest this legal document for me?
strictly speaking you should not be required to have the documents attested by a conveyancing solicitor. Ordinarily or notary public or solicitor will do regardless of whether they are Warsash based