In what way does my ID and proof of funds have anything to do with my conveyancing in Ashby de la Zouch? Why is this being asked of me?
Anti-terror and anti-money-laundering regulations require solicitors and licensed conveyancers to check the ID of the person or body they are dealing with before they can accept their conveyancing retainer. The Terms of Engagement that you need to sign should confirm this. Your lawyer also has obligations to obtain certain documents in accordance with the CML Lenders Handbook requirements last updated on 1st December 2014. Where you refuse to supply identification documents, your lawyer will not be able to take you on as a client.
When it comes to mortgage companies such as Santander, do Ashby de la Zouch conveyancers face a fee to be on the list of approved solicitors?
We are not aware of any mortgage company fees to be on their panel, although some do levy an administration fee to deal with the processing of the conveyancing panel submission.
I had a mortgage agreed in principle with RBS. Ashby de la Zouch conveyancing lawyers have been appointed. How long does it take for RBS to forward the offer to the conveyancing practitioner?
Some lenders take longer than others. Have RBS done the survey? Have you informed RBS as to your lawyers' details and checked that your lawyers are on the RBS conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I've digested plenty of house buying guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Ashby de la Zouch solicitor - who is on the TSB conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
TSB will need an independent valuation of the property. Your lawyer will not arrange this. Usually TSB will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your conveyancer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Ashby de la Zouch postcode. As you are getting a mortgage with TSB, you could contact them to see if they have a list of approved surveyors in Ashby de la Zouch.
What can a local search reveal regarding the property we're purchasing in Ashby de la Zouch?
Ashby de la Zouch conveyancing often commences with the submitting local authority searches directly from your local Authority or through a personal search company for instance Searches UK The local search plays a central role in many a Ashby de la Zouch conveyancing purchase; that is if you wish to avoid any unpleasant once you have moved into your property. The search should provide information on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen topic headings.
Are there restrictive covenants that are commonly identified as part of conveyancing in Ashby de la Zouch?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Ashby de la Zouch. 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…’
Just had an offer accepted on a new build apartment in Ashby de la Zouch. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.
Here is a sample of a selection of leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Ashby de la Zouch
Forfeiture - bankruptcy or liquidation must not apply under this provision. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Please supply a car parking plan. Please confirm the Lease plans are architect prepared. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal.
We are 14 days into a leasehold purchase having been directed to solicitors by the high street agent to handle our conveyancing in Ashby de la Zouch. We are not happy. Can you help me find new solicitors?
A conveyancer would have to be very bad to suggest replacing them. Has the mortgage offer been issued? If so you must make them aware of the new lawyer and get the loan are re-sent. Your new solicitor ideally needs to be on the mortgage company approved list to avoid escalating fees and complications. So that should be your first question of the new solicitors. The find a solicitor tool should assist you in finding a lender approved conveyancer for your conveyancing in Ashby de la Zouch