My wife and I have recently appointed a conveyancing solicitor in Ditchling. I I would like to check whether they are on the Britannia approved list of lawyers. Could you advise?
The first thing you should do is contact the lawyer and enquire if they are on the lender panel. Otherwise please get in touch with Britannia who may be able to help.
I have decided to exercise my right to buy my property in Ditchling off the council. I have a mortgage agreed with Clydesdale. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Clydesdale, you will need to appoint a solicitor on the Clydesdale conveyancing panel.
It is unclear whether my lender obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called into my local Ditchling bank branch on numerous occasions and was told it does not impact the mortgage offer and they would lend. My Ditchling conveyancing solicitor - who is on the mortgage company conveyancing panel- called to say that they refuse to lend in accordance with their published requirements. I have no idea who is right.
The property lawyer must follow the Council of Mortgage Lenders’ Handbook Part 2 provisions for your lender. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.
Having digested plenty of mortgage guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Ditchling solicitor - who is on the Nottingham conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Nottingham will need an independent valuation of the property. Your lawyer will not arrange this. Usually Nottingham 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. You may wish to consider appointing your own Ditchling surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
I moved into my house on 5 July and my personal details are still not on the land registry website. Should I be concerned? My conveyancing solicitor in Ditchling expressed confidence that it would be concluded in a couple of weeks. Are transfers in Ditchling particularly slow to register?
There is nothing unique about conveyancing in Ditchling registration formalities. As opposed to being determined by geographic area, timeframes can adjust subject to who lodges the application, whether there are errors and whether the Land registry must send notices to any 3rd persons or bodies. As of today roughly 80% of such applications are completed in less than three weeks but occasionally there can be protracted delays. Registration occurs once the purchaser has moved in to the premises therefore an expedited registration is not usually top priority but where it is urgent that the the registration takes place urgently then you or your lawyers should communicate with the Registry to express the reasoning for an expedited registration.
I am looking into buying my first house which is in Ditchling and I am already nervous. I couldn't find anything specific about Ditchling. Conveyancing will be needed in due course but do you know about the Ditchling area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Ditchling. In the meantime here are some basic statistics that we found
I am thinking of appointing a conveyancing practitioner in Ditchling for my home move. Is it possible to review a solicitor's complaints history with the legal regulator?
One may search for presented Solicitor Regulator Association (SRA) decisions arising from investigations started on or after 1 January 2008. Go to Check a solicitor's record. For information Pre 2008, or to check a firm's history, telephone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For non-uk callers, use +44 (0)121 329 6800. The regulator may recorded call for training requirements.