I am buying a semi-detached house in Boreham. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing in Boreham you will have to appoint a solicitor on your lender's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Boreham.
I am helping my mother sell her flat in Boreham. Will the solicitor order an energy assessment or should I organise this?
Following the demise of HIPs, EPC’s remained a mandatory part of moving property. An energy assessment should be commissioned before the property is put on the market. This is not a task that conveyancers normally organise. Where you are using a Boreham conveyancing practitioner they might be able to arrange energy assessments due to their relationships with long established local assessors
I'm at the point of looking at flats in Boreham and I am now considering a potential offer. Is it premature to have a solicitor in place? I will be getting a mortgage with Nottingham.
It would be sensible to commence your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on to the estate agent. As you are obtaining a mortgage with Nottingham, ask your prospective lawyers if they are on the Nottingham conveyancing panel otherwise they can't do the mortgage legal work.
I am selling my apartment. I had a double glazing fitted in September 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Lloyds are being pedantic. The Boreham solicitor who is on the Lloyds conveyancing panel is saying indemnity insurance will be fine but Lloyds are insisting on a building regulation certificate. Why do Lloyds have a conveyancing panel if they don't accept advice from them?
It is probably the case that Lloyds have referred the matter to their valuer. The reason why Lloyds may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
My relative advised me that where I am buying in Boreham I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is occasionally quoted for as part of the standard Boreham conveyancing searches. It is not a small document of more than thirty pages, listing and detailing important information about Boreham around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Boreham Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Boreham Education with plans and statistics, Local Amenities and other useful data concerning Boreham.
I'm purchasing my first flat in Boreham with the aid of help to buy. The builders refused to move on the amount so I negotiated 6k of additionals instead. The estate agent suggested that I not to tell my conveyancer about this extras as it would put at risk my loan with the lender. 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.
We're FTB’s - had an offer accepted, but the property agent has warned us that the owners will only proceed if we instruct the agent's recommended solicitors as they are insisting on a ‘quick sale’. We would rather use a local solicitor with experience of conveyancing in Boreham
It is unlikely the vendors are driving this. If they require ‘a quick sale', alienating a motivated buyer is not the way to achieve this. Avoid the agents and go straight to the owners and explain that (a)you are keen to buy (b)you are excited to move forward, with mortgage lined up © you are unencumbered (d) you intend to proceed fast (e)but you are going to instruct your own,trusted Boreham conveyancing solicitors - not the ones that will give their estate agent a referral fee or achieve conveyancing thresholds pre-set by senior management.