How up to date is your database of Whitechapel solicitors on the Coventry BS conveyancing panel? Do Coventry BS send you an updated list?
Whitechapel conveyancing firms themselves provide us confirmation that they are on the Coventry BS conveyancing panel as opposed to being supplied with a list from Coventry BS directly.
I am the single recipient of my late grandmother’s will and I have everything in my name alone, including the my former home in Whitechapel. Conveyancing formalities meant that the Land Registry date was in March. I plan to dispose of the house. I do know about the Mortgage Lenders six month 'rule', meaning my property ownership could be considered the same way as though I had purchased the house in March. Will no one buy the property for half a year?
The Council of Mortgage Lenders’ handbook instructs solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you might be impacted by that. Some mortgage companies would take a pragmatic view as this obligation principally exists to pick up on subsales or the quick reselling of property.
We previously appointed conveyancing lawyers located in Whitechapel on the Leeds Building Society solicitor panel. They are now charging me a separate amount for the legal aspects of the Leeds Building Society mortgage. Is this an additional conveyancing fee specified by Leeds Building Society?
As unfair as it may appear, as long as it’s in their Terms of Engagement or estimate then yes your conveyancer can levy a fee for this. This fee is not dictated by Leeds Building Society but by your Whitechapel conveyancer. Numerous firms on the Leeds Building Society panel will quote an ‘acting for lender’ fee and others do not.
I have instructed a Whitechapel conveyancing practitioner having made sure that they are on the Coventry BS conveyancing panel. Does my lawyer arrange the survey of the property?
Coventry BS will need an independent valuation of the property. Your lawyer will not arrange this. Usually Coventry BS 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. Your solicitor will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Whitechapel postcode. As you are getting a mortgage with Coventry BS, you could contact them to see if they have a list of approved surveyors in Whitechapel.
I am planning on selling our house in Whitechapel and the buyers lawyers are claiming that there is a possibility that the property was constructed on contaminated land. Any high street Whitechapel conveyancer would know that there is no such problem. It does beg the question why the buyers used a national conveyancing firm as opposed to a conveyancing solicitor in Whitechapel. Having lived in Whitechapel for six years we know that this is a non issue. Should we get in touch with our local Authority to seek confirmation that the buyers are looking for.
It would appear that you have a conveyancing solicitor currently acting for you. What do they say? You need to enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same sickness)
Are there restrictive covenants that are commonly picked up during conveyancing in Whitechapel?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Whitechapel. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I've recently found out that there is a flying freehold element on a property I put an offer in last month in what was supposed to be a straight forward, chain free conveyancing. Whitechapel is where the house is located. Can you offer any opinion?
Flying freeholds in Whitechapel are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Whitechapel you would need to get your solicitor to go through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Whitechapel 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.
My work colleague mentioned that before choosing a conveyancing firm they must be approved by your lender. I am new to the process but I have an offer in principle via Birmingham Midhshires and I already have a local conveyancing lawyer in Whitechapel in place. Will Birmingham Midhshires need an approved conveyancer to be instructed? Does a list of approved solicitors even exist for my conveyancing in Whitechapel?
You need to use a solicitor that is on the Birmingham Midhshires panel. The first thing to do is call your chosen Whitechapel conveyancing lawyer and ask if they are on the Birmingham Midhshires panel. If they are not on the panel you have numerous options open to you here:
- Proceed with your existing Whitechapel conveyancing practitioner but Birmingham Midhshires will undoubtedly appoint a conveyancer on their approved panel. The net impact is additional charges and probable interruption.
- Get a fresh solicitor to conduct the conveyancing, making sure they are on the Birmingham Midhshires conveyancing panel.
- Convince your conveyancing practitioner to do everything within their powers to join the Birmingham Midhshires panel of solicitors.