Our nephew is buying a house that has just been built in Hillsborough with a home loan from Santander. His lawyer has said that there is a delay in completing the ‘Disclosure of Incentive Form’. What is this document - I have never come across this before?
The form is intended to provide information to the main parties engaged in the transaction. Therefore, it will be provided to your son’s lawyer who should be on the Santander conveyancing panel as a standard part of the process, and to the surveyor when requested. The developer will be required to start the process by downloading the form and completing it. The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Santander conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.
Our mortgage company has suggested solicitors on their panel based in Hillsborough but I would rather choose a conveyancing lawyer in Hillsborough or nearer to where I live. Can you help?
It is by no means the case that all Hillsborough conveyancing practices are approved and listed on all banks conveyancing panel. Do make use of the above find an approved solicitor tool to identify a Hillsborough conveyancing solicitor on the on the bank panel.
My wife and I are downsizing from our property in Hillsborough and according to the buyers it appears that there is a possibility that the property was built land that was not decontaminated. A high street Hillsborough lawyer would know that there is no such problem. It does beg the question why the purchasers used a factory type conveyancing firm rather than a conveyancing solicitor in Hillsborough. We have lived in Hillsborough for 4 years we know of no issue. Do we get in touch with our local Authority to obtain confirmation that there is no issue.
It would appear that you have a conveyancing solicitor already. Are they able to advise? You should check with 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 health insurance to cover that same illness)
I have todaybecome aware that Wolstenholmes have closed. They conducted my conveyancing in Hillsborough for a purchase of a leasehold apartment 9 months ago. How can I check that my home is registered correctly in the name of the former proprietor?
The quickest way to check if the premises is in your name, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Hillsborough conveyancing specialists.
Can you please clarify what my options are if my Hillsborough conveyancing searches reveals adverse results?
Ordinarily, the majority of issues exposed in Hillsborough conveyancing search responses can be handled prior to completion or indemnity insurance can be obtained. You should remember that regardless of the fact that you intend on buying the property and might be willing to live with the search results, your lender may not, and when all said and done the decision rests with them.