I am getting a mortgage offer from Halifax. I hope to retain the legal services of a Licensed Conveyancer in Edge Hill. Does the Halifax Solicitor panel allow for conveyancers regulated by the CLC?
The Halifax conveyancing panel is, like many other lenders, represented by the CML or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
Completion of my remortgage has taken place for my property in Edge Hill. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
Most lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Team at head office. We understand that complaints to a lender are resolved very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
I am selling my flat. I had a double glazing fitted in August 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, Aldermore are being difficult. The Edge Hill solicitor who is on the Aldermore conveyancing panel is saying indemnity insurance will be fine but Aldermore are insisting on a building regulation certificate. Why do Aldermore have a conveyancing panel if they don't accept advice from them?
It is probably the case that Aldermore have referred the matter to their valuer. The reason why Aldermore may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
I was told four weeks ago that my mortgage has been agreed to by Lloyds. Is it usual for Lloyds to only issue the offer once my solicitor in Edge Hill is approved on their conveyancing panel? Lloyds have asked my solicitor to see a copy of their Professional Indemnity Insurance Schedule.
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Lloyds to deal with your lawyer's application to be on the Lloyds conveyancing panel. There's no guarantee that your solicitor will be accepted.
I require fast conveyancing in Edge Hill as I am under an ultimatum to sign on the dotted line within one month. A mortgage is not required. Can I escape the need for conveyancing searches to save fees and time?
If.Given you are are a cash buyer you are at liberty not to do searches although no solicitor would advise that you don't. Drawing on our experience of conveyancing in Edge Hill the following are examples of issues that can crop up and therefore affect market value: Enforcement Notices, Outstanding Fees, Overdue Grants, Road Schemes,...
How does conveyancing in Edge Hill differ for newly converted properties?
Most buyers of new build premises in Edge Hill approach us having been asked by the builder to exchange contracts and commit to the purchase even before the premises is built. This is because builders in Edge Hill typically buy the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Edge Hill or who has acted in the same development.
I am looking for a leasehold apartment up to £195,000 and identified one near me in Edge Hill I like with a park and station in the vicinity, the downside is that it's only got 52 years on the lease. I can't really find anything else in Edge Hill for this price, so just wondered if I would be making a grave error acquiring a lease with such few years left?
Should you need a home loan that many years may be a potential deal breaker. Discount the price by the anticipated lease extension will cost if not already taken into account. If the current proprietor has owned the property for at least twenty four months you may request that they start the process of the extension and then assign it to you. You can add 90 years to the current lease term and have £0 ground rent by law. You should consult your conveyancing lawyer regarding this matter.
Is it possible to change solicitor as I have to appoint a firm on the Britannia conveyancing list. I was using a family conveyancing solicitor in Edge Hill round the corner but he is not approved by Britannia
We will our best to assist in finding you a conveyancing solicitor in Edge Hill on the Britannia panel. Please note that the conveyancers that we list do not pay us a referral fee if you instruct them and are under regulation of the Solicitors Regulation Authority who regulate all conveyancing solicitors in Edge Hill. In making use of the find a conveyancing solicitor tool on this page, you can compare costs for conveyancing solicitors in Edge Hill and beyond.