Can you help? My Alfriston lawyer is informing me me that he is legally obliged toapply for Alfriston conveyancing searches stemming from the fact thatthe firm are on the Santanderconveyancing panel. Is this really necessary?
Unfortunately both you and your lawyer have little choice here. As you are obtaining a home loan with a mortgage company your conveyancer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your conveyancing practitioner would have previously signed the Terms and Conditions of your lender’s conveyancing panel appointment which obliges them to follow the Council of Mortgage Lenders’ Handbook requirements . Even if you were a cash buyer you would be ill advised not to carry out Alfriston conveyancing searches.
Finally the sale completed on my house in Alfriston last September yet the purchaser is Skype messaging me to moan that their solicitor needs to hear from myconveyancer. What are the post completion sale formalities following completion?
Following your house sale your solicitor should deliver the transfer documentation and all additional paperwork to the buyer’s lawyers. Where appropriate, your lawyer should also send confirmation that the home loan has been paid off to the buyers solicitors. There is unlikely to be post completion steps just for conveyancing in Alfriston.
I'm the sole recipient of my late father’s estate and I have everything in my name alone, including the house in Alfriston. The Alfriston property was put into my name in December. I now wish to sell up. I do know about the Mortgage Lenders six month 'rule', which means that my proprietorship will be regarded the same way as though I had purchased the property in December. Is the property unsalable for six months?
The CML handbook requires conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you could be caught by that. How practical a view mortgage companies take of it, depend on the lender as this obligation is chiefly there to capture the purchase and immediately sell or the wholesaling and assigning of property.
We have agreed to purchase a house in Alfriston. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Leeds Building Society be concerned?
As your lender is Leeds Building Society your lawyer must follow the conveyancing instructions contained in Section two of UK Finance Lenders’ Handbook for Leeds Building Society. The CML Handbook sets out minimum conditions for solar panel roof-space leases, and conveyancers are required to report to Leeds Building Society where a lease does not satisfy these conditions. The requirements relate to the installation of panels on properties countrywide and is not isolated to Alfriston.
I've read lots of mortgage guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Alfriston solicitor - who is on the TSB conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
TSB will need an independent valuation of the property. Your lawyer will not arrange this. Usually TSB will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Alfriston surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
I have a terraced Edwardian house in Alfriston. Conveyancing practitioner acted for me and Godiva Mortgages Ltd. I did a free Land Registry search last week and I saw two entries: the first freehold, another for leasehold under the exact same property. Is it worth asking Godiva Mortgages Ltd to clarify?
You should read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Alfriston and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also enquire as to the position with the conveyancing practitioner who completed the work.
Taking into account that I am about to spend £400,000 on 3 bedroom house in Alfriston I would like to have a conversation with the lawyer regarding thehouse move in advance of instructing the firm. Can this be arranged?
This is something that we encourage - we would be pleased to talk to you we do not take any clients on without you liaising with the lawyer due to be carrying out your conveyancing in Alfriston.There is no ‘factory style conveyancing’ - every client is an important person, not a matter reference. The practices that we put you in touch with believe that the fees you are provided with for residential conveyancing in Alfriston should be the amount on the final invoice that you end up paying.