We are buying a new build apartment in Wiveliscombe and my conveyancer is informing me that she has to the mortgage company to reveal incentives from the builder. The Estate Agents are hassling me to exchange contracts and my preference is not to delay matters. Is my lawyer right?
You should not exchange unless you have been advised to do so by your conveyancing practitioner. A precondition to being on a mortgage company panel is to comply with the UK Finance Lenders’ Handbook specifications. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in Wiveliscombe. My lender is Bank of Ireland
Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 1/12/2025, the requirements read as follows :
My partner and I have organised the release of further funds on our mortgage from Yorkshire BS as we want to carry out renovations to our house in Wiveliscombe. Are we obliged to appoint a nearby Wiveliscombe solicitor on the Yorkshire BS conveyancing panel to deal with the paperwork?
Yorkshire BS would not normally require a member of their approved list of lawyers to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Yorkshire BS conveyancing panel.
Completion of my remortgage has taken place for my property in Wiveliscombe. Conveyancing was of an acceptable standard but I would like to complain about the lender. How do I make a complaint?
All lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Team at head office. Ordinarily complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
I can not fathom if my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called into my local Wiveliscombe building society branch on a couple of occasions and was advised it wasn't an issue and they will lend. My Wiveliscombe conveyancing solicitor - who is on the lender conveyancing panel- telephoned to say that they refuse to lend in accordance with their UK Finance Lenders’ Handbook minimum lease term requirements. I simply don't know who is right.
Provided that the conveyancer is on the bank approved list, she or he must adhere to the Council of Mortgage Lenders’ Handbook provisions for the lender. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
I am downsizing from my house. My past lawyers closed down. It would be helpful to have a recommendation of a conveyancing firm. Im based in Wiveliscombe if that affects matters.
Please use our search tool to help you find a solicitor for your conveyancing in Wiveliscombe. We have connected thousands of home buyers and sellers with regulated solicitors to ensure that the legalities of their house move goes smoothly.
I am thinking of appointing a conveyancing lawyer in Wiveliscombe for my sale. Can I see a firm’s complaints history with the profession’s regulator?
Anyone may search for published Solicitor Regulator Association (SRA) decisions stemming from investigations started on or after Jan 2008. Go to Check a solicitor's record. For details about the period before 1 January 2008, or to check a firm's record, call 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For non-uk callers, dial +44 (0)121 329 6800. The regulator may recorded call for training requirements.
I am hoping to put an offer on a small detached house that seems to tick a lot of boxes, at a reasonable figure which is making it all the more appealing. I have since been informed that the title is leasehold as opposed to freehold. I am assuming that there are issues buying a leasehold house in Wiveliscombe. Conveyancing solicitors have are soon to be appointed. Will my lawyers set out the risks of buying a leasehold house in Wiveliscombe ?
The majority of houses in Wiveliscombe are freehold and not leasehold. This is one of the situations where having a local solicitor used to dealing with such properties who can assist with the conveyancing process. We note that you are buying in Wiveliscombe so you should seriously consider shopping around for a Wiveliscombe conveyancing practitioner and be sure that they are used to transacting on leasehold houses. First you will need to check the unexpired lease term. As a tenant you will not be at liberty to do whatever you want with the house. The lease will likely included provisions for example obtaining the freeholder’spermission to carry out alterations. It may be necessary to pay a maintenance charge towards the upkeep of the communal areas where the house is located on an estate. Your conveyancer will report to you on the legal implications.
Wiveliscombe Leasehold Conveyancing - A selection of Questions you should consider Prior to buying
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How is the lease structured? Be sure to enquire if the the lease contains any adverse restrictions in the lease. For example some leases prohibit pets being permitted in certain buildings in Wiveliscombe. If you like the apartmentin Wiveliscombe however your cat is not allowed to live with you then you will be faced difficult compromise. Does the lease contain onerous restrictions?