Much to our surprise we have been notified by our mortgage broker that my Lewisham property lawyer is not on the lender Solicitor panel. How can I be sure that this is correct?
The first thing you need to do is to call your Lewisham conveyancer. You lawyer should inform you what has happened. If they are not on the panel they could put your in touch with solicitors on the conveyancing panel for your mortgage company.
We are buying our first house. Our solicitor has texted usto check if we wish to purchase extra conveyancing searches. Unfortunately we in the dark as to what's relevant for conveyancing in Lewisham
The range of Lewisham conveyancing searches should be dictated primarily on the premises, the location, the possibility of any of these risks, your knowledge of the area and risks, your overall attitude to risk. What is important is that you adequately understand what information each search could provide. Then you can make a decision if you personally think you need that information. If uncertain, ask your conveyancer to recommend.
Do I select a Licenced Conveyancer or Solicitor for conveyancing in Lewisham?
There are many registered licenced Conveyancers in Lewisham and Solicitor partnerships in Lewisham who can help with your conveyancing It is important to make clear that both are supervised by regulatory bodies with both specialising in the legal work in transferring property. The two can handle associated property related work such as remortgage conveyancing, lease extensions and transfer of equity conveyancing.
I am buying a 3 bedroom semi in Lewisham. The intention is to convert the garage to an office at the house.Will the conveyancing process include investigations to determine if these works are allowed?
Your property lawyer will review the deeds as conveyancing in Lewisham can on occasion reveal restrictions in the title documents which prohibit categories of works or need the consent of a 3rd party. Certain works call for local authority planning consent and approval in compliance with building regulations. Certain areas are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. It would be wise to check these issues with a surveyor ahead of any purchase.
I can not fathom if my mortgage offer requires a lease extension. I have telephoned my Lewisham building society branch on various occasions and was told they are content with the situation and they will lend. My Lewisham conveyancing solicitor - who is on the lender conveyancing panel- called to say that they refuse to lend based on their published requirements. I simply don't know who is right.
As long as the property lawyer is on the lender approved list, she or he must comply with the CML Handbook requirements for the bank. Unless your lawyer obtains specific confirmation in writing that the bank 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 remaining.
What can a local search inform me about the house I am purchasing in Lewisham?
Lewisham conveyancing often starts with the ordering local authority searches directly from your local Authority or via a personal search company for instance Onsearch The local search is essential in every Lewisham conveyancing purchase; as long as you wish to avoid any nasty once you have moved into your new home. The search should reveal information on, amongst other things, details on planning applications relevant to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 subject headings.
Am I better off to instruct a Lewisham conveyancing lawyer based in the area that I am purchasing? We have a good friend who can carry out the conveyancing however they are based a couple of hundredkilometers away.
The primary upside of using a high street Lewisham conveyancing practice is that you can drop in to sign documents, deliver your ID and pester them where appropriate. Having local Lewisham know how is a plus. However nothing is more important than finding someone that will pull out all the stops for you. If other friends have instructed your friend and the majority were content that must surpass using an unfamiliar Lewisham conveyancing solicitor solely due to them being Lewisham based.