I am getting a mortgage offer from Santander. I hope to use a Licensed Conveyancer in Chislehurst. Does the Santander Conveyancing panel allow for Licensed Conveyancers?
The Santander approved solicitor list is, like many other lenders, represented by the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
I am looking to buy a property and require a conveyancing solicitor in Chislehurst who is on the Santander approved. Can you recommend a local conveyancing firm?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Santander in certain locations such as Chislehurst. We dont recommend any particular firm.
Should my solicitor be making enquiries concerning flooding as part of the conveyancing in Chislehurst.
The risk of flooding is if increasing concern for lawyers carrying out conveyancing in Chislehurst. There are those who buy a house in Chislehurst, fully aware that at some time, it may suffer from flooding. However, leaving to one side the physical destruction, where a property is at risk of flooding, it may be difficult to obtain a mortgage, adequate insurance cover, or sell the premises. Steps can be carried out as part of the conveyancing process to forewarn the purchaser.
Solicitors are not qualified to offer advice on flood risk, however there are a numerous searches that may be undertaken by the buyer or on a buyer’s behalf which should figure out the risks in Chislehurst. The standard property information forms sent to a buyer’s solicitor (where the Conveyancing Protocol is adopted) contains a standard question of the seller to discover whether the premises has historically flooded. In the event that flooding has previously occurred and is not revealed by the seller, then a purchaser may issue a legal claim for losses as a result of such an incorrect answer. A purchaser’s solicitors will also commission an environmental report. This should indicate whether there is a recorded flood risk. If so, further investigations should be carried out.
I am buying my first flat in Chislehurst with a loan from Skipton Building Society. The developers refused to budge the price so I negotiated five thousand pounds worth of extras instead. The property agent suggested that I not inform my lawyer about this deal as it will adversely affect my loan with the bank. Do I keep my lawyer in the dark?.
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.
Do I need to have a meeting at the offices of the lender conveyancing panel solicitor to sign the mortgage deed? If so, I will appoint a lawyer who conducts conveyancing in Chislehurst as it will be easier to attend their offices if required.
Most conveyancing panel lawyers for the bank undertake conveyancing via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. YOu dont have to use a conveyancing solicitor in Chislehurst. it would nevertheless be wise to check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.