Please help - my lawyer advises that breach of easement insurance is necessary on my purchase. What is the level of cover for Honiton conveyancing?
The appropriate level of breach of easement indemnity insurance depends on your lender. It would differ for example between HSBC Bank and Bank of Scotland. Conveyancing practitioners as opposed to members of the public take out such policies.
Last month we had a mortgage agreed in principle with Bank of Ireland. Honiton conveyancing solicitors are chosen. How long does it take for Bank of Ireland to send the offer to the lawyer?
There is no definitive answer here. Have Bank of Ireland completed the valuation? Have you advised Bank of Ireland as to your lawyers' details and checked that your lawyers are on the Bank of Ireland conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
Completion of my remortgage has taken place for my property in Honiton. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
All lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. Ordinarily complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
I used Arc property Solicitors several years ago for my conveyancing in Honiton. I now require my papers but the law firm has closed. What do I do?
You should call the Solicitors Regulatory Authority (SRA) to assist in tracing your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Honiton of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
Due to the encouragement of my in-laws I had a survey completed on a house in Honiton prior to retaining solicitors. I have been advised that there is a flying freehold aspect to the house. My surveyor advised that some lenders may refuse to give a loan on such a premises.
It depends who your proposed lender is. Lloyds has different requirements from Birmingham Midshires. Should you wish to telephone us we can check with the relevant lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Honiton. Conveyancing may be slightly more expensive based on your lender's requirements.
Having had my offer accepted I require leasehold conveyancing in Honiton. Before diving in I would like to find out the remaining lease term.
If the lease is registered - and almost all are in Honiton - then the leasehold title will always include the basic details of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.
Honiton Conveyancing for Leasehold Flats - A selection of Queries Prior to buying
This question is helpful as a) areas may result in problems for the block as the communal areas may start to deteriorate if repairs remain unpaid b) if the tenants have a dispute with the managing agents you will need to know about it Is anyone aware of any major works in the near future that will likely increase the maintenance fees? Is the freehold owned collectively by the tenants?
We have AIP from Santander who suggested we could borrow up to £300k. At what point do we need to appoint a lawyer for conveyancing? Honiton is where we plan to move to.
It would be wise to instruct a solicitor now and ask them to create a file on your behalf. This will facilitate: 1) the selling agent to issue a Sales Memorandum to the relevant parties 2) the seller’s conveyancing practitioner to submit the draft contract. However, do not ask your conveyancer to order searches until you receive your valuation report from Santander and you are content to proceed.