Is it the case that all Clifton CQS (Conveyancing Quality Scheme) solicitors are on the Coventry BS conveyancing list of approved practices?
It is true that some lenders now use CQS as the kick off point for Panel approval such as HSBC and Santander. The Law Society’s CQS accreditation however is no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for solicitors wishing to join their approved list of conveyancing solicitors.
We were going to get a AIP from Nottingham this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Nottingham recommend any Clifton solicitors on the Nottingham conveyancing panel, or is it better to go independently?
You will need to appoint Clifton solicitors independently although you'll need to choose one on the Nottingham conveyancing panel. The solicitor represents both you and Nottingham through the process.
I recently had an offer agreed on a house in Clifton. My financial adviser pressured me to appoint their conveyancing practitioner. I paid an advanced payment of £225. A couple of days later, the conveyancing practitioner called me to say that they were not on the Lloyds conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Lloyds panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
A relative recommended that if I am purchasing in Clifton I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is occasionally quoted for as part of the standard Clifton conveyancing searches. It is a large document of more than thirty pages, listing and setting out significant information about Clifton around the property and the people living there. It incorporates 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, Local Education with maps and statistics, Local Amenities and other useful data concerning Clifton.
I own a semi-detached Victorian house in Clifton. Conveyancing lawyer acted for me and Chelsea Building Society. I did a free Land Registry search last week and I saw a couple of entries: the first freehold, the second leasehold with the exact same address. I thought I was buying a freehold how can I check?
You should 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 owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Clifton and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the situation with the conveyancing practitioner who carried out the work.
I am buying a new build house in Clifton with the aid of help to buy. The sellers refused to move on the amount so I negotiated 6k of extras instead. The sale representative advised me not reveal to my lawyer about the deal as it will impact my mortgage with the lender. 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.
I am looking into buying my first house which is in Clifton and I am already nervous. I couldn't find anything specific about Clifton. Conveyancing will be needed in due course but do you know about the Clifton area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Clifton. In the meantime here are some basic statistics that we found