It has come to my attention via my broker that my Crowborough lawyer is not on the lender Conveyancing panel. How can I check?
The best course of action for you to take is to contact your Crowborough conveyancer. It is reasonable to expect your lawyer to inform you what has happened. Where they are not on the panel they may be able to suggest a Crowborough conveyancing firm that is on the conveyancing panel for your bank.
How up to date is your database of Crowborough solicitors on the Aldermore conveyancing panel? Do Aldermore send you an updated list?
Crowborough conveyancing firms themselves provide us confirmation that they are on the Aldermore conveyancing panel as opposed to being supplied with a list from Aldermore directly.
We previously appointed solicitors based in Crowborough on the Virgin Money solicitor approved list. They have just billed me a supplemental amount for dealing with the Virgin Money mortgage. Is this an additional conveyancing fee specified by Virgin Money?
As unfair as it may seem, as long as it’s in their Terms and Conditions or Quote then yes your lawyer is entitled to charge a fee for this. The charge is not set by Virgin Money but by your Crowborough conveyancing practitioner. Plenty of firms on the Virgin Money panel will quote an ‘acting for lender’ fee and others do not.
I am purchasing a property in Crowborough. An unusual aspect is that the roof has a solar panel. Lloyds have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that your lender is Lloyds your lawyer must check the formal requirements set out in Part two of UK Finance Lenders’ Handbook for Lloyds. The CML Handbook contains minimum requirements for solar panel roof-space leases, and conveyancers are required to report to Lloyds where a lease does not comply with these conditions. The specifications relate to the installation of panels on properties in England and Wales and is not limited to Crowborough.
I have instructed a Crowborough lawyer having checked that they are on the Leeds Building Society conveyancing panel. Does my lawyer arrange the survey of the property?
Leeds Building Society will need an independent valuation of the property. Your lawyer will not arrange this. Usually Leeds Building Society will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Crowborough postcode. As you are getting a mortgage with Leeds Building Society, you could contact them to see if they have a list of approved surveyors in Crowborough.
Do I need to pay for insurance to address the risk of chancel repairs when purchasing a residence in Crowborough?
Unless a previous acquisition of the house took place post 12 October 2013 you could expect conveyancing practitioners delivering conveyancing in Crowborough to remain encouraging a chancel search and or chancel repair liability insurance.
Due to the encouragement of my in-laws I had a survey completed on a property in Crowborough before appointing lawyers. I have been told that there is a flying freehold overhang to the property. The surveyor advised that some mortgage companies will not grant a mortgage on a flying freehold premises.
It varies from the lender to lender. Santander has different instructions from Birmingham Midshires. If you contact us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Crowborough. Conveyancing will be smoother if you use a solicitor in Crowborough especially if they are acquainted with such properties in Crowborough.