I am hoping to receive a mortgage with Halifax. My intention is to use a Licensed Conveyancer in Sevenoaks. Does the Halifax Conveyancing panel exclude Licensed Conveyancers?
The Halifax approved solicitor list is, like many other lenders, associated to the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the CLC.
I happen to be the sole recipient of my late grandmother’s will and I have everything in my name alone, including the house in Sevenoaks. The Sevenoaks property was put into my name in . I now wish to sell up. I do know about the CML six month 'rule', meaning my proprietorship will be regarded the same way as if I'd bought the property in . Do I have to wait half a year to sell?
The CML handbook obliges conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you might be affected by that. Some banks would take a practical view as this obligation is primarily there to identify subsales or the wholesaling and assigning of properties.
Is it the case that all Sevenoaks solicitor firms on the conveyancing panel are governed by the Solicitors Regulatory Authority?
As a firm of solicitors, in order to be on the approved list of solicitors they would need to be governed by the SRA. Many mortgage companies do permit licenced conveyancers on their panel in which case such organisation would be overseen by the Council of Licensed Conveyancers.
The formalities of my remortgage has taken place for my property in Sevenoaks. Conveyancing was satisfactory but I would like to complain about the lender. How do I make a complaint?
Most lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. Ordinarily complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
I'm purchasing a new build house in Sevenoaks with the aid of help to buy. The developers would not move on the price so I negotiated 6k of extras instead. The house builders rep suggested that I not reveal to my solicitor about the extras as it will put at risk 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.
Given that I will soon part with 450k on a house in Sevenoaks I would like to talk to a lawyer about myconveyancing in advance of appointing the firm. Is this something that you can arrange?
Absolutely - we would be happy to talk to you we do not take any clients on without you liaising with the conveyancer who will be conducting your conveyancing in Sevenoaks.There is no ‘factory style conveyancing’ - every client is unique individual, not a matter number. The solicitors that we put you in touch with believe that the figure you are provided with for your conveyancing in Sevenoaks should be the amount on the final invoice that you end up paying.
My uncle has recommend that I use his lawyers for conveyancing in Sevenoaks. Should I find my own conveyancer?
No doubt the ideal way to choose a conveyancing lawyer is to have recommendations from friends or family who have used the conveyancer you're contemplating using.