is it true that all Westerham conveyancing solicitors on the RBS conveyancing panel are overseen by the Solicitors Regulatory Authority?
As solicitors, in order to be on the RBS conveyancing panel they would need to be governed by the Solicitors Regulatory Authority. Many mortgage companies do permit licenced conveyancers on their panel and in such a situation the organisation would be overseen by the Council of Licensed Conveyancers.
Can I be sure that the Westerham conveyancing solicitor on the Barclays panel is any good?
When it comes to conveyancing in Westerham 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 suggest that you speak with the solicitor conducting your transaction.
I was told two weeks ago that my mortgage has been agreed to by Clydesdale. Is it usual for Clydesdale to only issue the offer once my solicitor in Westerham is approved on their conveyancing panel? Clydesdale have asked my solicitor to see a copy of their Professional Indemnity Insurance Schedule.
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Clydesdale to deal with your lawyer's application to be on the Clydesdale conveyancing panel. There's no guarantee that your solicitor will be accepted.
What can a local search tell me concerning the house my wife and I purchasing in Westerham?
Westerham conveyancing often starts with the ordering local authority searches directly from your local Authority or through a personal search organisations for instance PSG The local search plays a central role in many a Westerham conveyancing purchase; as long as you wish to avoid any nasty surprises after you move into your new home. The search will reveal data on, amongst other things, details on planning applications relevant to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen subject areas.
I have a 4 bedroom Edwardian house in Westerham. Conveyancing lawyer represented me and Platform Home Loans Ltd. I happened to do a free search for it on the Land Registry database and I saw two entries: the first freehold, another for leasehold under the matching address. If a house is not a freehold shouldn't I have been informed?
You need to read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Westerham 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 lenders. You can also check the situation with the conveyancing solicitor who carried out the work.
I am purchasing a new build house in Westerham with the aid of help to buy. The builders refused to budge the amount so I negotiated 6k of fixtures and fittings instead. The sale representative advised me not to tell my conveyancer about this deal as it could put at risk 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 opted to have a survey done on a house in Westerham in advance of instructing conveyancers. I have been informed that there is a flying freehold overhang to the house. My surveyor has said that some lenders will refuse to issue a loan on this type of premises.
It varies from the lender to lender. Lloyds has different requirements from Halifax. If you e-mail us we can investigate further with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Westerham. Conveyancing may be slightly more expensive based on your lender's requirements.
In scouring the web for the term cheap conveyancing in Westerham it reveals many conveyancerslocally. With so much choice what is the best way to find the right property lawyer for my move?
The ideal method of seeking a suitable conveyancer is via personal referral, so enquire of friends and relatives who have purchased a property in Westerham or the reputable estate agent or mortgage broker. Fees for conveyancing in Westerham vary, so it's sensible to obtain at least four quotes from varying types of law firms. Be sure to seek confirmation that the fees are fixed.