Please help. My Birmingham and the Black Country conveyancer is assuring me that she is duty bound toconduct Birmingham and the Black Country conveyancing searches becausethe firm are on the Nat Westsolicitor panel. Do I not have any say here?
Unfortunately both you and your lawyer have little choice here. Given that you are taking out a loan with a bank your conveyancer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your property lawyer would have previously signed the Terms and Conditions of your lender’s conveyancing panel appointment which obliges them to follow the CML Handbook conditions . Even if you were a cash buyer you would be ill advised not to carry out Birmingham and the Black Country conveyancing searches.
I am assisting my step-mother sell her flat in Birmingham and the Black Country. Will the conveyancer order an energy assessment or should I organise this?
After the demise of Home Information Packs, energy assessments remained a required element of selling a property. An EPC should be commissioned before the property is put on the market. This is not a task that conveyancers ordinarily organise. Where you are instructing a Birmingham and the Black Country conveyancing lawyer they may help arrange energy assessments given their contacts with long established local accredited person
We have a mortgage agreed in principle with Aldermore. Birmingham and the Black Country conveyancing practitioners were appointed. How long does it take for Aldermore to issue the offer to the lawyer?
Some lenders take longer than others. Have Aldermore conducted the valuation? Have you informed Aldermore as to your lawyers' details and checked that your lawyers are on the Aldermore conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
We have agreed to purchase a house in Birmingham and the Black Country. One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Yorkshire BS be concerned?
As you are obtaining a mortgage with Yorkshire BS your lawyer must follow the formal instructions set out in Part two of UK Finance Lenders’ Handbook for Yorkshire BS. The CML Handbook sets out minimum specifications for solar panel roof-space leases, and property lawyers are required to report to Yorkshire BS where a lease does not satisfy these specifications. The specifications relate to the installation of panels on properties nationwide and is not isolated to Birmingham and the Black Country.
My wife and I own a semi-detached Victorian house in Birmingham and the Black Country. Conveyancing practitioner represented me and Godiva Mortgages Ltd. I happened to do a free search for it on the Land Registry database and there are two entries: one for freehold, another for leasehold under the exact same property. Is it worth asking Godiva Mortgages Ltd to clarify?
You need to assess 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 proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Birmingham and the Black Country and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with buyers. You can also check the position with your conveyancing practitioner who completed the work.
I am purchasing a new build house in Birmingham and the Black Country with the aid of help to buy. The developers would not budge the price so I negotiated 6k of fixtures and fittings instead. The property agent told me not disclose to my conveyancer about the deal as it could affect my mortgage with the bank. 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.
I am looking for a conveyancing practitioner in Birmingham and the Black Country for my house move. Is it possible to review a firm’s record with the legal regulator?
Anyone may read presented Solicitor Regulator Association (SRA) decisions resulting from inquisitions from 2008 onwards. Visit Check a solicitor's record. To find details Pre 2008, or to check a firm's record, call 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For non-uk callers, use +44 (0)121 329 6800. The SRA could monitor call for training purposes.