How do I check that the solicitor handling my conveyancing in Abercynon is on the mortgage lender’sconveyancing panel? I am looking to avoid the situation of having one lawyer for me and one for Accord Mortgages Ltd thus spending £192.00 in supplemental legal fees.
You should make use of the search tool on this web page. Please choose the mortgage company and type ‘Abercynon’ or your preferred area and you will discover a number of lawyer based in Abercynon or by proximity to you.
What is the difference between a licensed conveyancer and conveyancing solicitor in Abercynon
There are two types of lawyers who can conduct conveyancing in Abercynon namely CLC regulated conveyancers or solicitors. Both professionals provide the legal services that you need to complete the sale or acquisition of property. Both are required to carry out Abercynon conveyancing on similar quality and guidelines so you may be sure that your conveyancing will be properly administered and that all necessary steps will be suitably followed.
I am purchasing a property in Abercynon. One unusual aspect is that the roof has a solar panel. Nationwide have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As you are obtaining a mortgage with Nationwide your lawyer must follow the formal instructions outlined in Part two of UK Finance Lenders’ Handbook for Nationwide. The Council of Mortgage Lenders’ Handbook stipulates minimum requirements for solar panel roof-space leases, and conveyancing practitioners are required to report to Nationwide where a lease fails to meet these provisions. The requirements relate to the installation of panels on properties nationwide and is not isolated to Abercynon.
I recently had an offer agreed on a house in Abercynon. My mortgage broker suggested a lawyer. I paid an upfront payment of £150. Not long after, the lawyer contacted me to say that they were not on the Kent Reliance conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Kent Reliance panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
What can a local search inform me concerning the property I am purchasing in Abercynon?
Abercynon conveyancing often starts with the applying for local authority searches directly from your local Authority or through a personal search company for instance Onsearch The local search is essential in every Abercynon conveyancing purchase; as long as you don’t want any nasty once you have moved into your new home. The search will reveal information on, amongst other things, details on planning applications relevant to the premises (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 thirteen topic areas.
Despite weeks of looking the Title Certificate and documents to our home are lost. The solicitors who did the conveyancing in Abercynon 10 years ago have long since closed. Will I be able to sell the house?
As long as you have a registered title the details of your proprietorship will be evidenced by the Land Registry with a Title Number. It is easy to perform a search at the Land Registry, identify your property and get up to date copies of the property title for a small fee. Where the property is Leasehold then the Land Registry will usually hold a certified duplicate of the Registered Lease and again, a copy can be obtained for twenty pounds.
I opted to have a survey done on a property in Abercynon ahead of retaining conveyancers. I have been informed that there is a flying freehold element to the house. The surveyor advised that some lenders may refuse to give a mortgage on a flying freehold house.
It depends who your proposed lender is. HSBC has different requirements for example to Halifax. Should you wish to telephone us we can check 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 Abercynon. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Abercynon to see if the conveyancing costs will increase in light of this.