We are purchasing a flat and require a conveyancing solicitor in Kineton who is on the Aldermore 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 Aldermore . We don't recommend any particular firms conducting conveyancing in Kineton.
Does a directory service exist listing Lloyds panel conveyancers in Kineton on the Council of Mortgage Lender’s Website?
No. There is no such directory service on the CML or Building Society Association websites. A small selection of banks make their panel listings available on the web. If you are in need of a Kineton solicitor on the Lloyds please use our facility.
The mortgage over my property is with Kent Reliance for my property in Kineton. Conveyancing was finalised a year ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Kent Reliance?
You must advise Kent Reliance before renting your property as this is likely to be a breach of Kent Reliance’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Kent Reliance directly. It should not be necessary to do this via a Kent Reliance conveyancing panel solicitor.
It is not clear whether my lender obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called my Kineton building society branch on numerous occasions and was advised it wasn't a problem and they would lend. My Kineton conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned and was told they refuse to lend in accordance with their UK Finance Lenders’ Handbook minimum lease term requirements. Who do I believe?
The conveyancer has to follow the CML Handbook Part 2 specifications for your bank. Unless your lawyer obtains specific confirmation in writing that the mortgage company 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 lender to contact your lawyer in writing confirming that they will accept the number of years remaining.
A relative suggested that if I am purchasing in Kineton I should ask my conveyancer to carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is sometimes quoted for as part of the standard Kineton conveyancing searches. It is a large document of more than thirty pages, listing and detailing important information about Kineton around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Kineton Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Kineton Education with maps and statistics, Local Amenities and other useful data concerning Kineton.
Are there restrictive covenants that are commonly picked up during conveyancing in Kineton?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Kineton. 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…’
My husband and I are new to the buying process - had an offer accepted, yet the agent told us that the seller will only proceed if we instruct the agent's preferred lawyers as they are insisting on an ‘expedited deal’. We would rather use a high street solicitor who is familiar with conveyancing in Kineton
It is improbable the owners are driving this. Should the seller desire ‘a quick sale', turning down a serious buyer is going to damage their objectives. Speak to the vendors direct and explain that (a)you are serious purchasers (b)you are excited to move forward, with finances in place © you are chain free (d) you intend to proceed fast (e)however you intend to instruct your preferred Kineton conveyancing firm - as opposed tothose that will earn their negotiator at the agency a referral fee or hit his conveyancing thresholds demanded by corporate headquarters.