My IFA has asked me for my Wolverton solicitor’s panel member for the Nat West conveyancing panel. What is the best way to find this out. I have e-mailed my local Wolverton office but they have not responded to me.
The sensible thing to do is ask for this information from your Wolverton conveyancing practitioner . They retain a central record lender panel numbers.
We have agreed to purchase a house in Wolverton. An unusual aspect is that the roof has a solar panel. Bank of Ireland have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that your lender is Bank of Ireland your lawyer must check the formal requirements contained in Section two of UK Finance Lenders’ Handbook for Bank of Ireland. The CML Handbook sets out minimum conditions for solar panel roof-space leases, and solicitors are required to report to Bank of Ireland where a lease does not satisfy these conditions. The conditions relate to the installation of panels on properties nationwide and is not isolated to Wolverton.
I have paid off my mortgage with Kent Reliance. I assume I don't need a Wolverton lawyer on the Kent Reliance panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Kent Reliance mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Kent Reliance mortgage from the register. Kent Reliance, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Kent Reliance has sent the Land Registry the discharge electronically, and
- Kent Reliance has instructed the Land Registry to do so
I am currently in the process of buying my council flat in Wolverton. I have a mortgage offer with Skipton. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Skipton, you will need to appoint a solicitor on the Skipton conveyancing panel.
Should commercial conveyancing searches reveal impending roadworks that may affect a commercial estate in Wolverton?
Many commercial conveyancing solicitors in Wolverton will perform a SiteSolutions Highways report as it reduces the time that conveyancers invest in researching accurate data on highways that impact buildings and development assets in Wolverton. The report sets out definitive information on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Wolverton.
For every commercial conveyancing transaction in Wolverton it is critical to investigate the adoption status of roads surrounding a site. Failure to identify developments where adoption procedures have not been dealt with adequately may cause delays to Wolverton commercial conveyancing deals as well as present a risk to future plans for the site. These searches are not ordered for residential conveyancing in Wolverton.
Are there restrictive covenants that are commonly identified during conveyancing in Wolverton?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Wolverton. 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'm buying a new build house in Wolverton with a mortgage from Godiva Mortgages Ltd. The builders would not budge the amount so I negotiated £7000 of fixtures and fittings instead. The house builders rep advised me not inform my lawyer about this deal as it will 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.
In my capacity as executor for the estate of my grandmother I am selling a house in Newport but I am based in Wolverton. My lawyer (who is 200 miles awayneeds me to sign a stat dec prior to completion. Can you recommend a conveyancing practitioner in Wolverton to attest this legal document for me?
Technically speaking you should not need to have the documents witnessed by a conveyancing solicitor. Normally any notary public or solicitor will be fine regardless of whether they are Wolverton based