It has come to my attention via my mortgage broker that my Alvaston the law firm I have appointed is not on the mortgage company Conveyancing panel. What can I do to check?
The first thing you need to do is to contact your Alvaston lawyer directly. It is reasonable to expect your lawyer to inform you what has happened. Where they are not on the panel they could put your in touch with solicitors on the conveyancing panel for your mortgage company.
What is the optimum way to find out if the solicitor handling my conveyancing in Alvaston is on the lender’sconveyancing panel? I am looking to avoid the situation of having one lawyer for me and one for Platform Home Loans Ltd thus paying £175.00 in further conveyancing fees.
You should take advantage of the find a conveyancing panel solicitor tool on this web page. Pick the mortgage company and type ‘Alvaston’ or your preferred area and you will see numerous solicitors based in Alvaston or nearest you.
I am downsizing from our house in Alvaston and according to the buyers it appears that there is a possibility that the property was built land that was not decontaminated. A local lawyer would know that there is no such problem. For the life of me I don't know why the buyers instructed a web based conveyancing firm rather than a conveyancing solicitor in Alvaston. Having lived in Alvaston for 4 years we know that this is a non issue. Is it a good idea to get in touch with our local Authority to seek clarification that there is no issue.
It sounds as though you may have a conveyancing firm already. What do they say? You should enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same ailment)
I purchased a terraced Edwardian property in Alvaston. Conveyancing lawyer acted for me and Coventry Building Society. I happened to do a free search for it on the Land Registry database and there are two entries: the first freehold, another for leasehold under the exact same address. I'd like to know for sure, how can I find out??
You should read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Alvaston and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the position with the conveyancing solicitor who conducted the work.
I'm purchasing a new build house in Alvaston benefiting from help to buy. The developers would not budge the price so I negotiated five thousand pounds worth of additionals instead. The house builders rep advised me not reveal to my conveyancer about this deal as it could adversely affect my mortgage with Santander. Do I keep my lawyer in the dark?.
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.
My wife and I have appointed a Alvaston conveyancing solicitor for our house purchase (first time buyers) and have spotted in the terms and conditions that they are not overseen by the Financial Conduct Authority. Am I right to be worried or is that the norm with conveyancing practitioner?
We can't see why they should be. Most conveyancer don't lend money. You should check that they are regulated by the Solicitors Regulation Authority, who set stringent stipulations in relation to amounts sitting in their bank.