I am hoping to receive a offer of a home loan from Halifax. I would like to use a Licensed Conveyancer in North Newbald. Does the Halifax Solicitor panel exclude conveyancers regulated by the CLC?
The Halifax approved solicitor list is, like many other lenders, represented by the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
I am downsizing from our property in North Newbald and according to the buyers it appears that there is a possibility that the property was constructed land that was not decontaminated. A high street North Newbald conveyancer would know that there is no such problem. It does beg the question why the purchasers are using an internet conveyancing outfit as opposed to a conveyancing solicitor in North Newbald. Having lived in North Newbald for three years we know that this is a non issue. Should we contact our local Authority to seek clarification need.
It sounds as though you may have a conveyancing lawyer currently acting for you. What do they say? You should enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same illness)
My wife and I own a semi-detached Victorian house in North Newbald. Conveyancing practitioner acted for me and The Mortgage Works. I happened to do a free search for it on the Land Registry database and there are a couple of entries: one for freehold, the second leasehold under the matching property. I'd like to know for sure, how can I find out??
You need to assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in North Newbald and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with lenders. You can also enquire as to the situation with the conveyancing practitioner who conducted the purchase.
I'm purchasing my first flat in North Newbald benefiting from help to buy. The sellers would not move on the amount so I negotiated five thousand pounds worth of extras instead. The sale representative advised me not inform my solicitor about this deal as it may jeopardize my loan with the bank. Do I keep my lawyer in the dark?.
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.
What is the average conveyancing fee for conveyancing in North Newbald?
The average fee last year for conveyancing in North Newbald was £1,500 excluding Stamp Duty and HM Land Registry charges.