Do I have to have a meeting at the offices of the solicitor to sign the mortgage deed? If so, I will instruct a firm who offer conveyancing in Knaphill so that I can pop in to their offices when needed.
As opposed to 15 years ago, most banks no longer oblige their conveyancing panel lawyer to witness the borrowers signature. You will still be obliged to hand over ID documents and there are still manifest advantages to choosing a locally based ayer, in your situation a conveyancing solicitor in Knaphill.
We are purchasing a 3 bedroom semi in Knaphill. The intention is to an extension at the rear at the property.Will legal conveyancing on the property include enquiries to determine if these works were previously refused?
Your conveyancer should check the registered title as conveyancing in Knaphill will occasionally identify restrictions in the title documents which restrict certain works or need the consent of another owner. Certain extensions call for local authority planning consent and approval in compliance with building regulations. Many locations are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. You should check these things with a surveyor ahead of any purchase.
Two weeks ago we had a mortgage agreed in principle with HSBC. Knaphill conveyancing lawyers are instructed. What is the average time that one could expect to receive a mortgage offer from HSBC?
Some lenders take longer than others. Have HSBC done the valuation? Have you advised HSBC as to your lawyers' details and checked that your lawyers are on the HSBC conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
The formalities of my purchase has taken place for my property in Knaphill. Conveyancing was of an acceptable standard but I would like to complain about the lender. How does one go about formally complaining?
Almost all banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are resolved effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
The deeds to our house can not be found. The lawyers who did the conveyancing in Knaphill 5 years ago are no longer around. What do I do?
You no longer need to have the physical deeds to establish that you are the owner of your registered land or premises, as the Land Registry have everything they need in a digital format.
I'm purchasing a new build house in Knaphill with a mortgage from Bank of Scotland. The developers would not move on the amount so I negotiated £7000 of extras instead. The sale representative advised me not inform my conveyancer about this deal as it could impact my loan with Bank of Scotland. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the developer 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.
In my capacity as executor for the estate of my uncle I am selling a property in Monmouth but I am based in Knaphill. My conveyancer (approximately 250 kilometers awayneeds me to sign a stat dec prior to completion. Can you recommend a conveyancing solicitor in Knaphill to witness and place their company stamp on the document?
Technically speaking you should not be required to have the documents attested by a conveyancing solicitor. Ordinarily or notary public or qualified solicitor will suffice regardless of whether they are located in Knaphill