We are planning to acquire a flat and need a conveyancing solicitor in Sunderland who is on the UBS conveyancing panel. Can you recommend a local firm?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for UBS . We don't recommend any particular firms conducting conveyancing in Sunderland.
Is it necessary during the course of the conveyancing process to attend the offices of the solicitor to sign the legal charge? If so, I will instruct a firm who offer conveyancing in Sunderland so that I can attend their offices if necessary.
Nowadays approved lawyers for banks carry out the vast majority of work through Royal Mail, e-mail or over the phone. This means that they can undertake the conveyancing transaction no matter where you live in the country. That being said you can see if you can still book an appointment to visit conveyancing lawyer if needed.
We had selected solicitors locally in Sunderland on the Clydesdale solicitor panel. They are now charging me a supplemental fee for dealing with the Clydesdale mortgage. Is this an additional conveyancing fee set by Clydesdale?
Provided it is contained in their Terms of Engagement or estimate then yes your conveyancer can levy a fee for this. The charge is not dictated by Clydesdale but by your Sunderland conveyancer. Plenty of firms on the Clydesdale panel will quote ’dealing with mortgage’ fee but some firms incorporate it on their overall fee.
Two weeks ago we had a mortgage agreed in principle with Co-operative. Sunderland conveyancing practitioners are chosen. How long does it take for Co-operative to send the offer to the conveyancing practitioner?
There is no definitive answer here. Have Co-operative completed the survey? Have you informed Co-operative as to your lawyers' details and checked that your lawyers are on the Co-operative conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
I am purchasing a property in Sunderland. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Co-operative be concerned?
As you are obtaining a mortgage with Co-operative your lawyer must follow the formal instructions outlined in Part 2 of UK Finance Lenders’ Handbook for Co-operative. The Council of Mortgage Lenders’ Handbook sets out minimum specifications for solar panel roof-space leases, and solicitors are required to report to Co-operative where a lease does not comply with these provisions. The conditions relate to the installation of panels on properties nationwide and is not limited to Sunderland.
Are there restrictive covenants that are commonly picked up during conveyancing in Sunderland?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Sunderland. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I'm purchasing a new build house in Sunderland benefiting from help to buy. The developers 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 this side-deal as it would jeopardize my mortgage with National Westminster Bank. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the developer 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.