Much to our surprise we have been told by our mortgage adviser that my Winterton solicitor is not on the mortgage company Conveyancing panel. What can I do to be sure if this is correct?
The sensible course of action for you to take is to call your Winterton lawyer directly. It is reasonable to expect your lawyer to advise you of the situation. Where they are not on the panel they could put your in touch with solicitors on the conveyancing panel for your bank.
I had intended to instruct a property lawyer in Winterton for our house move. Our financial adviser informed us that our mortgage company Bank of Scotland won't deal with them. Surely this is unduly restrictive?
A bank can insist on an approved conveyancer act for it. Borrowers are expected to bear the cost of this. Try using our database to get a quote from a solicitor to conduct conveyancing in Winterton on the Bank of Scotland approved list of solicitors.
Are there restrictive covenants that are commonly picked up as part of conveyancing in Winterton?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Winterton. 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…’
How does conveyancing in Winterton differ for newly converted properties?
Most buyers of new build property in Winterton contact us having been asked by the developer to sign contracts and commit to the purchase even before the house is ready to move into. This is because new home sellers in Winterton usually acquire the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Winterton or who has acted in the same development.
I've recently found out that there is a flying freehold issue on a house I have offered on a fortnight ago in what should have been a simple, chain free conveyancing. Winterton is where the house is located. Is there any guidance you can give?
Flying freeholds in Winterton are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Winterton 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 Winterton 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 premises.
I need to instruct a conveyancing lawyer in Winterton for my sale. Is there any facility to see a firm’s complaints history with the legal regulator?
You can review presented Solicitor Regulator Association (SRA) decisions resulting from investigations from 2008 onwards. Visit Check a solicitor's record. For records Pre 2008, or to check a solicitors history, ring 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For non-uk callers, dial +44 (0)121 329 6800. The SRA may monitor call for training purposes.