How up to date is your search tool for Sunningdale conveyancing solicitors on the Clydesdale conveyancing panel? Do Clydesdale send you an updated list?
Sunningdale conveyancing firms themselves provide us confirmation that they are on the Clydesdale conveyancing panel as opposed to being supplied with a list from Clydesdale directly.
Do I need to visit the offices of the solicitor to execute the legal charge? If so, I will choose one who does conveyancing in Sunningdale so that I can pop in to their offices if necessary.
Whereas this was necessary 15 years ago, most lenders no longer oblige their conveyancing panel lawyer to witness the mortgagors signature. It will still be necessary for you to supply identification documents and there are still manifest advantages to choosing a locally based practitioner, in your case a conveyancing solicitor in Sunningdale.
A colleague advised me that in buying a property in Sunningdale there may be various restrictions prohibiting external alterations to a property. Is this right?
There are a number of properties in Sunningdale which have some sort of restriction or requirement of consent to perform external alterations. Part of the conveyancing in Sunningdale should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
We were going to get a AIP from Principality this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Principality recommend any Sunningdale solicitors on the Principality conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Sunningdale solicitors independently although you'll need to choose one on the Principality conveyancing panel. The solicitor represents both you and Principality through the process.
I have today made my last payment due on my mortgage with Skipton. I assume I don't need a Sunningdale conveyancer on the Skipton panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Skipton 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 Skipton mortgage from the register. Skipton, 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 Skipton has sent the Land Registry the discharge electronically, and
- Skipton has instructed the Land Registry to do so
I am purchasing my first flat in Sunningdale with a loan from Britannia. The builders refused to budge the amount so I negotiated five thousand pounds worth of extras instead. The estate agent told me not disclose to my conveyancer about the deal as it could put at risk my loan with Britannia. 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.
Some weeks ago I was told by my mortgage company that their panel conveyancers work on no sale no fee basis for conveyancing in Sunningdale. My purchase fell through nevertheless the solicitors have requested search fees! They are stating that the fees are seperate!
Sunningdale conveyancing search charges are disbursements not solicitors costs as these are payable to a third party.