My IFA has asked me for my Great Baddow lawyer’ panel member for the HSBC conveyancing panel. What is the best way to find this out. I have contacted my local Great Baddow branch but they have not got back to me yet.
The sensible thing to do is ask for this information from your Great Baddow property lawyer . Most Great Baddow conveyancing firms will keep a file or database of lender panel information which would include, if applicable, their conveyancing panel details for each bank.
My Conveyancer in Great Baddow has never been on on the Britannia Conveyancing Panel. Can I still continue with my prefered solicitor even though they are excluded from the Britannia approved list?
Your options are as follows:
- Carry on with your existing Great Baddow lawyers but Britannia will need to instruct a conveyancer on their list of acceptable firms. This will inevitably rack up the overall conveyancing fees as well as result in frustration.
- Choose an alternative solicitor to act in the purchase, obviously checking they are Persuade your conveyancer to use their best endeavours to join the Britannia conveyancing panel
I appreciate that there are debates on Chancel Insurance on online forums. Do I require chancel insurance when buying a residence in Great Baddow? or I am told that there is historic law that means some owners of property residing in a parish church boundary may be liable to pay for maintenance to the chancel in proximity to the church. Is this relevant for conveyancing in Great Baddow?
Unless a prior acquisition of the premises took place post 12 October 2013 you could assume that conveyancing practitioners delivering conveyancing in Great Baddow to continue to recommend a chancel search and or chancel repair liability policy.
I am buying my first flat in Great Baddow with the aid of help to buy. The builders would not budge the amount so I negotiated £7000 of extras instead. The house builders rep suggested that I not inform my solicitor about the side-deal as it could put at risk my loan 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.
Due to the advice of my in-laws I had a survey completed on a house in Great Baddow ahead of instructing solicitors. I have been informed that there is a flying freehold element to the property. Our surveyor advised that some mortgage companies may refuse to issue a loan on this type of property.
It varies from the lender to lender. Santander has different instructions for example to Halifax. Should you wish to call us we can look into this further via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Great Baddow. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Great Baddow to see if the conveyancing costs will increase in light of this.