The Barlaston and Tittensor conveyancing firm handling our Barlaston and Tittensor conveyancing has discovered a discrepancy between the surveyor’s assumptions in the home valuation survey and what is in the legal papers for the property. My solicitor informs me that he needs to ensure that the lender is OK with this discrepancy and is still content to lend. Is my solicitor’s stance appropriate?
Your conveyancer must comply with the UK Finance Lenders’ Handbook conditions which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.
A relative advised me that where I am buying in Barlaston and Tittensor I should ask my conveyancer to execute a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is sometimes quoted for as part of the standard Barlaston and Tittensor conveyancing searches. It is a large document of about 40 pages, listing and setting out important information about Barlaston and Tittensor around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Barlaston and Tittensor Education with plans and statistics, Local Amenities and other useful data concerning Barlaston and Tittensor.
The deeds to my house are lost. The conveyancers who did the conveyancing in Barlaston and Tittensor 5 years ago have long since closed. What do I do?
Gone are the days when you need to have the physical deeds to evidence that you own the land or property, as the Land Registry hold details of all registered land or property electronically.
I am buying a new build house in Barlaston and Tittensor with a loan from Leeds Building Society. The developers refused to budge the price so I negotiated £7000 of fixtures and fittings instead. The property agent told me not disclose to my lawyer about the extras as it could impact my mortgage with the bank. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the developer 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.
I am looking for a conveyancing solicitor in Barlaston and Tittensor for my remortgage. Can I review a firm’s complaints history with the profession’s regulator?
Anyone can read published Solicitor Regulator Association (SRA) determinations arising from investigations from 2008 onwards. Go to Check a solicitor's record. To find details Pre 2008, or to check a solicitors history, ring 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. International callers, dial +44 (0)121 329 6800. The regulator may monitor telephone calls for training purposes.