I am getting a mortgage with Halifax. My intention is to instruct a Licensed Conveyancer in Shepperton. Does the Halifax Solicitor panel allow for Licensed Conveyancers?
The Halifax approved solicitor list is, like many other lenders, associated to the CML or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
At what point can the exchange of contracts occur in purchase conveyancing in Shepperton and do I need to attend the solicitors office?
If you are in close proximity to our conveyancing solicitors in Shepperton you are invited in to sign documents. However, the law practices we recommend provide a nationwide conveyancing service and give just as comprehensive and professional a job for you when communicating with you electronically. The signing of the property agreement is not the point of no return. Signing on the dotted line simply enables the conveyancer to address the formalities at the suitable time, which is ordinarily shortly after signing. The exchange process is nowadays normally dealt with by telephone and can be very rapid, although where a long "chain" is in play, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Shepperton)to be in the office at the appropriate time.
I am helping my aunt sell her flat in Shepperton. Does the conveyancer order the energy assessment or it is for the owner to see to?
Following the abolition of HIPs, energy assessments remained a mandatory component of moving property. An energy assessment needs to be to hand prior to the property being advertised. This is not a task that solicitors normally organise. Where you are using a Shepperton conveyancing solicitor they may help arrange energy assessments due to their contacts with long established Shepperton providers
This question may be naive but I am unexperienced as FTB of a garden flat in Shepperton. Do I pick up the keys to the property on the completion date from my solicitor? If so, I will appoint a High Street conveyancing solicitor in Shepperton?
On the day of completion you will not be required to go to the conveyancers office in Shepperton. Conveyancing lawyers for you will electronically transfer the completion advance to the seller's solicitors, and once they have received this, you should be able to collect the keys from the Estate Agents and start moving into the property. This tends to happen early afternoon.
I am buying a property in Shepperton. A rare aspect is that the roof has a solar panel. Barclays have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that your lender is Barclays your lawyer must follow the formal instructions contained in Part 2 of UK Finance Lenders’ Handbook for Barclays. The Council of Mortgage Lenders’ Handbook stipulates minimum specifications for solar panel roof-space leases, and conveyancers are required to report to Barclays where a lease does not satisfy these requirements. The requirements relate to the installation of panels on properties countrywide and is not isolated to Shepperton.
Various web forums that I have frequented warn that are the main cause of hinderance in Shepperton house deals. Is this right?
The Council of Property Search Organisations (CoPSO) published conclusions of research by MoveWithUs that conveyancing searches do not feature amongst the top 10 causes of delays during the legal transfer of property. Searches are not likely to be the root cause of delay in conveyancing in Shepperton.
I opted to have a survey carried out on a house in Shepperton before retaining solicitors. I have been advised that there is a flying freehold aspect to the house. Our surveyor has said that some mortgage companies may not give a loan on a flying freehold property.
It depends who your proposed lender is. Lloyds has different requirements for example to Halifax. If you call us we can look into this further via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Shepperton. Conveyancing will be smoother if you use a solicitor in Shepperton especially if they are familiar with such properties in Shepperton.