we are a couple who are purchasing a newly converted flat in Hilperton with a residential mortgage from Bank of Ireland.We use our Hilperton conveyancing solicitor but Bank of Ireland advised that she’s not on their "panel". we are left little option but to use a Bank of Ireland panel firm or keep our preferred solicitor and fork out for one of their panel ones to act for them. We feel as though this is unjust; is there anything we can do?
No, not really. The loan issued to you contains terms and conditions, one of which will be that solicitors must be on the Bank of Ireland solicitor panel. Until recently, most lenders had large numbers of solicitors on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your lawyer to apply to be on the conveyancing panel for Bank of Ireland
A friend recommended that if I am purchasing in Hilperton I should ask my conveyancer to carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is occasionally included in the estimate for your Hilperton conveyancing searches. It is a large report of more than thirty pages, listing and setting out significant information about Hilperton around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Hilperton Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Local Education with maps and statistics, Local Amenities and other useful data regarding Hilperton.
The deeds to my house can not be found. The solicitors who did the conveyancing in Hilperton 5 years ago have long since closed. What are my options?
You no longer need to hold title original deeds to establish that you are the owner of your registered land or premises, as the Land Registry hold details of all registered land or property electronically.
Due to the input of my in-laws I had a survey completed on a property in Hilperton before instructing lawyers. I have been informed that there is a flying freehold element to the house. The surveyor advised that some banks will refuse to grant a loan on a flying freehold house.
It depends who your proposed lender is. Lloyds has different requirements for example to Birmingham Midshires. Should you wish to call us we can investigate further via the relevant lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Hilperton. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Hilperton to see if the conveyancing costs will increase in light of this.
Hoping to buy a property located in Hilperton and I am already nervous. I couldn't find anything specific about Hilperton. Conveyancing will be needed in due course but do you know about the Hilperton area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Hilperton. In the meantime here are some basic statistics that we found