I am only a couple days away from an exchange on a house in Charmouth and my parents have transferred the exchange deposit to my conveyancing practitioner. I am now advised that as the deposit has not come from me my conveyancing practitioner needs to disclose this to my bank. Apparently, in also acting for the mortgage company he must advise them that the balance of the purchase price is coming from anyone other than me. I informed the mortgage company concerning my parents' contribution when I applied for the home loan, so is it really necessary for him to raise this?
Your conveyancer is obliged to clarify with mortgage company to ensure that they know that the balance of the purchase price is not from your own resources. Your solicitor can only report this to your bank if you agree, failing which, your lawyer must cease to continue acting.
We are buying a 4 bedroom semi-detached house in Charmouth. Our aim is to carry out a loft conversion at the house.Will the conveyancing process involve investigations to see if these alterations are prohibited?
Your property lawyer will review the registered title as conveyancing in Charmouth can sometimes reveal restrictions in the title documents which prohibit categories of alterations or need the permission of a 3rd party. Many additions need local authority planning consent and approval in compliance with building regulations. Some locations are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. You should check these issues with a surveyor ahead of any purchase.
Does a directory service exist listing HSBC panel conveyancers in Charmouth on the Council of Mortgage Lender’s Website?
Unfortunately not yet. There is no such directory service on the Council of Mortgage Lenders or Building Society Association websites. A small selection of lending institutions make their panel listings visible on the web. If you are in need of a Charmouth conveyancer on the HSBC please use our tool.
Two weeks ago we had a mortgage agreed in principle with Skipton. Charmouth conveyancing practitioners have been chosen. What is the average time that one could expect to receive a mortgage offer from Skipton?
There is no definitive answer here. Have Skipton conducted the valuation? Have you informed Skipton as to your lawyers' details and checked that your lawyers are on the Skipton conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I purchased my home on 13 June and my personal details is not yet on the land registry website. Any reason for this? My conveyancing solicitor in Charmouth advises it will be formalised in less than a month. Are titles in Charmouth particularly slow to register?
As far as conveyancing in Charmouth registration is no quicker or slower than anywhere else in England and Wales. Rather than based on location, timeframes can differ depending on the party submitting the application, whether there are errors and if the Land registry must send notices to any 3rd parties. As of today roughly three quarters of submission are completed in less than three weeks but occasionally there can be extensive hold-ups. Historically registration is effected after the purchaser has moved in to the premises so an expedited registration is not typically an essential issue but if it is urgent that the the registration takes place urgently then you or your lawyers can communicate with the Registry to express the reasoning for the application to be prioritised.
I am looking for a conveyancing lawyer in Charmouth for my remortgage. Is it possible to check a solicitor's complaints history with the legal regulator?
One may read published Solicitor Regulator Association (SRA) decisions resulting from inquisitions from 2008 onwards. Go to Check a solicitor's record. To find records about the period before 1 January 2008, or to check a firm's history, call 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For callers outside the UK, call +44 (0)121 329 6800. The SRA could recorded call for training requirements.
I am in need of some leasehold conveyancing in Charmouth. Before I set the wheels in motion I would like to find out the unexpired term of the lease.
If the lease is recorded at the land registry - and almost all are in Charmouth - then the leasehold title will always include the basic details of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.
Charmouth Conveyancing for Leasehold Flats - Examples of Queries before buying
Make sure you enquire if there are any onerous prohibitions in the lease. For example it is very common in Charmouth leases that pets are not permitted in certain buildings in Charmouth. If you like the propertyin Charmouth however your dog can’t make the move with you then you will be presented with a hard compromise. Is the freehold owned collectively by the tenants? You should want to find out as much as possible regarding the managing agents as they will impact your use and enjoyment of the property. Being a leasehold owner you are often at the mercy of the managing agents from a financial perspective and when it comes to every day issues like the cleanliness of the common parts. Don't be shy to ask other tenants what they think of their service. On a final note, investigate as to the dates that you are obliged pay the maintenance charge to the managing agents and specifically what it includes.
I have read on a number of online forums that before selecting a conveyancing solicitors they must be approved by your bank. I am a FTB but I have an AIP with Halifax and I already have a bricks and morter conveyancing lawyer in Charmouth at the ready. Does Virgin Money insist on an approved conveyancer to be selected? Does a list of approved conveyancers even exist for my conveyancing in Charmouth?
You should instruct a solicitor that is on the Virgin Money panel. Just telephone your chosen Charmouth conveyancing solicitor to check if they are on the Virgin Money panel. If they are not approved you have a number of options open to you here:
- Proceed with your chosen Charmouth conveyancing practitioner but Virgin Money will no doubt use a conveyancing practitioner on their conveyancing panel. This will result in additional charges and probable delay.
- Get a new conveyancer to act in the purchase, ensuring that they are on the Virgin Money conveyancing panel.
- Convince your lawyer to pull out all the stops to join the Virgin Money panel of solicitors.