The Coxhoe conveyancing firm handling our Coxhoe conveyancing has spotted an inconsistency between the assumptions in the valuation report and what is in the title deeds. My solicitor informs me that he needs to check that the lender is OK with this discrepancy and is still content to lend. Is my conveyancer’s stance legitimate?
Your lawyer must comply with the UK Finance Lenders’ Handbook specifications which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.
My Conveyancer in Coxhoe has never been on on the Britannia Solicitor Panel. Is it possible for me to retain my family solicitor even though they are excluded from the Britannia list of approved lawyers?
Your options are as follows:
- Complete the purchase with your existing Coxhoe lawyers but Britannia will need to use a solicitor on their list of acceptable firms. This will result in additional overall conveyancing fees and result in frustration.
- Find an alternative lawyer to act in the purchase, obviously checking they are Convince your conveyancer to do everything within their powers to join the Britannia conveyancing panel
I am assisting my aunt sell her house in Coxhoe. Does the conveyancing solicitor commission an energy assessment or it is for the seller to coordinate?
After the abolition of HIPs, energy assessments was kept a mandatory component of moving house. An energy performance certificate must be to hand in advance of the property being put on the market. It is not something that law firms normally arrange. If you are instructing a Coxhoe conveyancing lawyer they might be able to arrange energy assessments due to their contacts with reputable Coxhoe assessors
My bid for a property was accepted at auction in Coxhoe. Conveyancing is required. What happens now?
Having exchanged you must retain a conveyancing practitioner as a matter of priority as you are faced with a tight deadline in which to complete the conveyancing. Every auction property will ordinarily have a bespoke auction pack. This will likely include most,if not all of the documents that your conveyancer requires. In the case of leasehold premises the legal pack should contain a copy of the lease, management information and a sellers leasehold information form and other conveyancing documentation specific to leasehold premises. You must give this to your appointed conveyancing solicitor at the earliest opportunity. Do make sure that your finances are organised to complete the transaction on the set completion date.
I am buying a property in Coxhoe. A rare aspect is that the roof has a solar panel. UBS have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that you are obtaining a mortgage with UBS your lawyer must check the formal requirements outlined in Part 2 of UK Finance Lenders’ Handbook for UBS. The Council of Mortgage Lenders’ Handbook stipulates minimum conditions for solar panel roof-space leases, and solicitors are required to report to UBS where a lease does not comply with these conditions. The specifications relate to the installation of panels on properties countrywide and is not limited to Coxhoe.
I am purchasing a property and the solicitor has raised the issue of Chancel Repair for which the house may be liable given it’s proximity to the area of such a church. He has recommended insurance. Is this strictly required for conveyancing in Coxhoe
Unless a prior purchase of the house completed after 12 October 2013 you may assume that lawyers carrying out conveyancing in Coxhoe to continue to recommend a chancel search and or insurance against a claim.
How do I identify a Coxhoe law firm on the The Mortgage Works conveyancing panel? I have wheels and am happy to travel upto 20kilometers to meet the solicitor.
Feel free to make use of the search on this page. Please pick a mortgage company and your location and you will see a number of Coxhoe conveyancing lawyers based on proximity. We have detailed some Coxhoe conveyancing firms towards the end of this page and you can telephone them to verify if they are on the The Mortgage Works member panel
How does one remove a departed person's name from the title deeds for a house in Coxhoe?
If a Coxhoe property is jointly owned and one of the owners passes away, the name will not immediately be removed from the title deeds. It is not necessary to amend the title as when it comes to a sale you would just be required to supply proof why the co proprietor is not included in the contract, such as the probate documents.
With a view to making the sale conveyancing more straight forward in the future you may apply to have the deceased name erased from the title by applying to the land registry with evidence of the death. There is no charge from the Registry for this service.