All was ready to move into my new home in Kettering next Monday. My solicitor now wants me to supply her with proof of content and building insurance for the property as he says that he has to check this in his capacity as lawyer for the lender. What risks does the lender expect the insurance to cover?
All property lawyers on acting for mortgage companies would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in a lender’s UK Finance Lenders’ Handbook instructions. These obligations are not specific to conveyancing in Kettering.
We are planning to acquire a flat and require a conveyancing solicitor in Kettering who is on the Skipton solicitor panel. Could you point me in the right direction as regards a firm?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Skipton . We don't recommend any particular firms conducting conveyancing in Kettering.
I am purchasing a end of terrace house in Kettering. Our aim is to convert the garage to a playroom at the property.Will the conveyancing process involve checks to determine if these works were previously refused?
Your property lawyer will review the registered title as conveyancing in Kettering can occasionally reveal restrictions in the title deeds which prevent certain works or need the consent of a 3rd party. Many extensions call for local authority planning consent and approval under the building regulations. Many locations are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. It would be prudent to check these things with a surveyor before you commit yourself to a purchase.
Are all Kettering Conveyancing Quality Solicitors on the Santander conveyancing panel?
A selection of lenders now make use of the accreditation scheme as the kick off point for Panel approval such as HSBC and Santander. CQS membership however gives no guarantee to lender panel acceptance. Nevertheless,the CML have indicated that it is likely to become a pre-requisite for solicitor practices wishing to remain on their panels.
I have today made my last payment due on my mortgage with HSBC. I assume I don't need a Kettering conveyancer on the HSBC panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your HSBC mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the HSBC mortgage from the register. HSBC, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where HSBC has sent the Land Registry the discharge electronically, and
- HSBC has instructed the Land Registry to do so
I am looking into buying my first house which is in Kettering and I am already nervous. I couldn't find anything specific about Kettering. Conveyancing will be needed in due course but do you know about the Kettering area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Kettering. In the meantime here are some basic statistics that we found
The loan agreement from a lender for the remortgage of my 4 bedroom maisonette is due any day now. Are you able to recommend a low cost remortgage conveyancing solicitor in Kettering ?
You are on the wrong site if you are in need of the lowest fares for conveyancing in Kettering. Our goal is to offer excellent value conveyancing but we do not aim to advertise as being the cheapest. Do not be fooled by brokers offering low cost conveyancing in Kettering.In your best case scenario, in going for cheap conveyancing, you will end up with what you pay for and at worst you will end up being stung for extras and still not receive the service expected.