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Find a Mudeford Conveyancing Solictior on Your Lender’s Panel

Ready to buy a new home in Mudeford? Failing to check that a lawyer is on your lender’s list of approved solicitors can put your Mudeford transaction at risk of delay or failure.

Only LenderPanel.com provides a subset of authorised Mudeford conveyancers for over 130 lenders.


Recently asked questions about conveyancing in Mudeford

Are the Mudeford conveyancing solicitors identified as being on the Santander conveyancing panel, together with their details provided by Santander?

Mudeford conveyancing firms themselves provide us confirmation that they are on the Santander conveyancing panel as opposed to being supplied with a list from Santander directly.

A relative advised me that in purchasing a property in Mudeford there could be a number of restrictions limiting what one can do in terms of external changes to the property. Is this right?

We are aware of a number of properties in Mudeford which have some sort of restriction or requirement of consent to execute external variations. Part of the conveyancing in Mudeford should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.

I am due to exchange contracts on my flat. I had a double glazing fitted in December 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Virgin Money are being problematic. The Mudeford solicitor who is on the Virgin Money conveyancing panel is recommending indemnity insurance as a solution but Virgin Money are insisting on a building regulation certificate. Why do Virgin Money have a conveyancing panel if they don't accept advice from them?

It is probably the case that Virgin Money have referred the matter to their valuer. The reason why Virgin Money may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.

I've read lots of house buying guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Mudeford solicitor - who is on the Yorkshire BS conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?

Yorkshire BS will need an independent valuation of the property. Your lawyer will not arrange this. Usually Yorkshire BS will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Mudeford surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.

I am purchasing a new build house in Mudeford benefiting from help to buy. The sellers refused to move on the amount so I negotiated five thousand pounds worth of fixtures and fittings instead. The property agent suggested that I not inform my conveyancer about the deal as it could impact 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.

We're novice buyers - had an offer accepted, but the selling agent informed us that the seller will only issue a contract if we appoint their chosen lawyers as they need a ‘quick sale’. We would rather use a high street conveyancer accustomed to conveyancing in Mudeford

It is unlikely the owners are behind this. If they desire ‘a quick sale', alienating a motivated purchaser is going to damage their objectives. Try to communicate with the sellers directly and make the point that (a)you are serious buyers (b)you are ready to progress, with mortgage lined up © you do not need to sell (d) you intend to proceed fast (e)however you are going to use your preferred Mudeford conveyancing lawyers - as opposed tothe ones that will give the estate agent a referral fee or achieve conveyancing thresholds demanded by HQ.

Last January I purchased a leasehold house in Mudeford. Am I liable to pay service charges relating to a period prior to my ownership?

In a situation where the service charge has already been demanded from the previous lessee and they have not paid you would not usually be personally liable for the arrears. Strange as it may seem, your landlord may still be able to take action to forfeit the lease. A critical element of leasehold conveyancing for your conveyancer to ensure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.

If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).

Mudeford Conveyancing for Leasehold Flats - Examples of Queries before buying

    Are any of leasehold owners in arrears of their service charge payments? Does the lease contain onerous restrictions? The answer will be helpful as a) areas could cause problems for the block as the common areas may start to deteriorate where services remain unpaid b) if the tenants have a dispute with the managing agents you will want to know about it

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