I am hoping to complete my purchase in Bowes Park next Friday. I have now been asked to send a copy of my building insurance schedule by my solicitor as as she informs me that she is duty bound to validate that it is in order for the lender. What does the insurance need to cover?
Any lawyer on acting for lenders would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in a lender’s UK Finance Lenders’ Handbook instructions. These obligations are not unique to conveyancing in Bowes Park.
My wife and I purchasing a victorian detached house in Bowes Park. Our aim is to carry out a loft conversion at the property.Will legal work on the property include checks to determine if these works were previously refused?
Your solicitor should review the registered title as conveyancing in Bowes Park can on occasion identify restrictions in the title documents which prevent certain changes or need the permission of a 3rd party. Many works need local authority planning consent and approval in accordance building regulations. Many areas are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. It would be sensible to check these issues with a surveyor ahead of any purchase.
We have agreed to purchase a house in Bowes Park. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Aldermore be concerned?
Given that you are obtaining a mortgage with Aldermore your lawyer must check the formal instructions outlined in Section 2 of UK Finance Lenders’ Handbook for Aldermore. The Council of Mortgage Lenders’ Handbook contains minimum provisions for solar panel roof-space leases, and conveyancing practitioners are required to report to Aldermore where a lease does not comply with these specifications. The specifications relate to the installation of panels on properties nationwide and is not limited to Bowes Park.
Completion of my purchase has taken place for my property in Bowes Park. Conveyancing was a necessary evil but I would like to complain about the lender. How do I make a complaint?
Most banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are resolved very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
A colleague suggested that where I am buying in Bowes Park I should ask my conveyancer to execute a Neighbourhood, Planning and Local Amenity Search. What does it cover?
This is a search is usually included in the estimate for your Bowes Park conveyancing searches. It is a large document of more than thirty pages, listing and detailing significant information about Bowes Park around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Bowes Park Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Bowes Park Education with plans and statistics, Local Amenities and other useful data regarding Bowes Park.
I used Stirling Law a few years past for my conveyancing in Bowes Park. I now require my file but the law firm has closed. What do I do?
Do call the Solicitors Regulatory Authority (SRA) to assist in tracing your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Bowes Park of the conveyancing firm of solicitors you previously hired, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I am downsizing from my house. My previous solicitors have shut. It would be helpful to have a recommendation of a conveyancing firm. Im based in Bowes Park if that makes things easier.
Do use our search tool to help you choose a solicitor for your conveyancing in Bowes Park. We have connected thousands of home buyers and sellers with regulated solicitors to ensure that the legalities of their house move goes with a minimum of fuss.