I plan on purchasing an apartment in Salcombe. My property lawyer is not listed on the lender solicitor panel. Is it possible for me to retain my Salcombe conveyancing solicitor notwithstanding that they are excluded from the mortgage company panel of approved conveyancing solicitors?
You must instruct a property lawyer to deal with the formalities when you take out a mortgage to purchase your property. They will carry out all the necessary investigations on the property, make sure that you’re registered as proprietor and ensure that all the required mortgage paperwork is in place. You could instruct a Salcombe property lawyer of your choosing. Nevertheless, if the lawyer appointed is not a member of the bank approved list further fees will be levied as separate legal representation will be need by the mortgage company. Lender panel applications can be submitted, so where your solicitor has not in the past sought membership they can do so.
We are aiming to move house in March. Will my conveyancing solicitor communicate with the removal company on the day of completion. Incidentally, can you put forward a removal company in Salcombe. Conveyancing solicitor was found before I stumbled across your page.
On the day of completion you will need to collect the keys from your property agent however this can only occur once the sellers solicitors inform the agent that the monies to complete are in and the keys can be released. You will need to inform the removal men that they can start moving you in. As a matter of policy we do not recommend a particular removal company but can assist you in locating a conveyancing in Salcombe or a firm that specialises in conveyancing in Salcombe.
We are purchasing a end of terrace house in Salcombe. The intention is to an extension at the rear at the house.Will the conveyancing process involve checks to see if these alterations were previously refused?
Your property lawyer will check the deeds as conveyancing in Salcombe can sometimes reveal restrictions in the title deeds which restrict categories of alterations or require the permission of another owner. Certain works call for local authority planning permissions and approval in compliance with building regulations. Some areas are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. You should check these issues with a surveyor ahead of any purchase.
Completion of my purchase has taken place for my property in Salcombe. Conveyancing was a necessary evil but I would like to complain about the lender. How does one go about formally complaining?
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 sorted out very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
My friend recommended that if I am buying in Salcombe I should ask my conveyancer to execute a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is usually included in the estimate for your Salcombe conveyancing searches. It is a large report of more than thirty pages, listing and detailing important information about Salcombe around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Salcombe Education with plans and statistics, Local Amenities and other useful data regarding Salcombe.
I have been on the look out for a flat up to £305k and identified one round the corner in Salcombe I like with a park and station in the vicinity, however it's only got 51 remaining years left on the lease. I can't really find anything else in Salcombe for this price, so just wondered if I would be making a mistake purchasing a short lease?
If you need a home loan the remaining unexpired lease term may be problematic. Reduce the offer by the amount the lease extension will cost if not already taken into account. If the existing owner has owned the premises for at least twenty four months you could request that they commence the lease extension formalities and pass it to you. You can add 90 years to the existing lease and have £0 ground rent by law. You should speak to your conveyancing lawyer concerning this matter.
I have been advised by a number of property agents in Salcombe to locate a conveyancer on your site. Is there a financial advantage for Estate Agents to offer your site over alternative conveyancing organisations?
We refuse to make any commission for directing people to this site. We found it would be just too difficult a fee as members of the public would think, ‘Why is the agent getting a kickback? Why aren’t I getting any benefit too?’ So we decided to step away from that.