My mortgage broker has asked me for my Hartlepool solicitor’s panel member for the HSBC conveyancing panel. How do I obtain this. I have called my local Hartlepool office but they cant find it on their system.
Have you tried contacting your Hartlepool property lawyer about this?. They retain a central record lender panel numbers.
Are there restrictive covenants that are commonly picked up during conveyancing in Hartlepool?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Hartlepool. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I'm purchasing my first flat in Hartlepool benefiting from help to buy. The developers refused to budge the amount so I negotiated five thousand pounds worth of additionals instead. The property agent advised me not reveal to my conveyancer about the deal as it could adversely affect my loan with the lender. Is this normal?.
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've recently found out that there is a flying freehold element on a house I have offered on two weeks back in what was supposed to be a quick, no chain conveyancing. Hartlepool is where the house is located. Is there any guidance you can give?
Flying freeholds in Hartlepool are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Hartlepool you must be sure that your lawyer goes through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Hartlepool may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
How do I use the search tool to choose a conveyancing solicitor in Hartlepool on the panel for my mortgage?
First choose a bank such as Yorkshire Building Society, Norwich and Peterborough Building Society or Aldermore then choose your location a common one being Hartlepool. Conveyancing firms in Hartlepool and beyond should be identified.