I am expecting a mortgage with Santander. I intend to enlist the help of a Licensed Conveyancer in Umberleigh. Does the Santander Conveyancing panel include conveyancers regulated by the CLC?
The Santander conveyancing panel is, like many other lenders, associated to the CML or BSA, open to Licensed Conveyancers regulated by the CLC.
Can your site be used to locate a Conveyancing solicitor in Umberleigh even where I’m not purchasing or selling a house, for example if I wish to acquire an office in Umberleigh with a mortgage from Santander?
Our search tool is mainly used to help choose residential conveyancing solicitors in Umberleigh but we have recorded at the bottom of this page a selection of Umberleigh commercial conveyancing firms. You should make contact with the firm directly to see if they can also act for Santander
I am buying a new build house in Umberleigh with a mortgage from Yorkshire Building Society. The sellers would not reduce the amount so I negotiated 6k of fixtures and fittings instead. The estate agent told me not reveal to my lawyer about the deal as it may jeopardize my mortgage 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.
Due to the input of my in-laws I had a survey completed on a property in Umberleigh prior to retaining solicitors. I have been advised that there is a flying freehold overhang to the house. Our surveyor has said that some mortgage companies may refuse to issue a mortgage on this type of home.
It varies from the lender to lender. HSBC has different requirements from Nationwide. Should you wish to telephone us we can check via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Umberleigh. Conveyancing may be slightly more expensive based on your lender's requirements.
Do I need to be wary about estate agents that I am dealing with are suggesting an internet conveyancing firm as opposed to a High Street Umberleigh conveyancing practice?
As with lots of service providers, often suggestions from family and friends can be extremely useful or valuable. But there are many players in a conveyancing matter; estate agents, financial adviser and lenders may put forward lawyers to retain. On occasion these solicitors might be known to one of the organisations as experts in their field, but sometimes there exists a commercial relationship behind the endorsement. You have the right to choose your preferred lawyer. However, bear in mind that the majority of lenders specify a panel list of solicitors you have to use for the lender aspect of your conveyancing.