As someone not used to the Cudham conveyancing process what’s your top tip you can impart concerning the house moving process in Cudham
Not many law firms shout this from the rooftops but conveyancing in Cudham and elsewhere in England and Wales is often a confrontational process. Put another way, when it comes to conveyancing there is an abundance of opportunity for conflict between you and other parties involved in the legal transfer of property. For instance, the seller, estate agent and sometimes your bank. Appointing a law firm for your conveyancing in Cudham should not be taken lightly as your conveyancer is your adviser, and is the SOLE party in the transaction whose interest is to act in your best interests and to keep you safe.
Sometimes a third party with a vested interest may attempt to sway you that you should follow their advice. For instance, the selling agent may claim to be helping by claiming that your lawyer is dragging his heels. Or your mortgage broker may tell you to do take action that is contrary to your lawyers guidance. You should always trust your lawyer above all other parties when it comes to the legal transfer of property.
My wife and I buying a 4 bedroom semi-detached house in Cudham. Our aim is to an extension at the rear at the house.Will the conveyancing process involve enquiries to determine if these works were previously refused?
Your solicitor should review the registered title as conveyancing in Cudham can on occasion reveal restrictions in the title deeds which prohibit certain changes or necessitated the permission of another owner. Some extensions call for local authority planning permissions and approval in accordance building regulations. Some areas are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. You should check these things with a surveyor ahead of any purchase.
Is there a list of Lloyds panel conveyancers in Cudham on the UK Finance Lenders’ Handbook Website?
Unfortunately not yet. There is no such directory service on the Council of Mortgage Lenders or Building Society Association sites. Very few lending institutions make their panel listings available on the web. Where you are looking for a Cudham solicitor on the Lloyds please use our facility.
I am due to exchange contracts on my flat. I had a double glazing fitted in March 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, Lloyds are being a right pain. The Cudham solicitor who is on the Lloyds conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Lloyds are requiring a building regulation certificate. Why do Lloyds have a conveyancing panel if they don't accept advice from them?
It is probably the case that Lloyds have referred the matter to their valuer. The reason why Lloyds 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 know that there are debates on Chancel Insurance on online forums. Am I compelled to have this when buying a residence in Cudham? or Apparently there is an ancient law that means some homeowners living in a parish church boundary will be compelled to contribute towards repairs to the chancel within the church. Is this relevant for conveyancing in Cudham?
Unless a previous acquisition of the property completed post 12 October 2013 you could expect conveyancing practitioners handling conveyancing in Cudham to continue to recommend a chancel search and or insurance against a claim.
I'm purchasing a new build house in Cudham benefiting from help to buy. The developers would not move on the price so I negotiated £7000 of additionals instead. The sale representative told me not inform my conveyancer about this deal as it could jeopardize my mortgage with the lender. Should I keep quiet?.
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.
I'm remortgaging my existing home to a BTL mortgage with Clydesdale and I will use the rest of the raised equity towards another house. The area we are interested in is Cudham. Will your lawyers be able to act for the two lenders and tie in the conveyances?
Do use our comparison tool on this site to ensure that the solicitors are on the appropriate lender panels. On the basis that they are the conveyancer should be able to connect the two transactions but you should have a chat with you solicitor and communicate your expectations and requirements.
My wife and I have recently appointed a conveyancing solicitor in Cudham. I need to find out if they are on the lender's approved list of lawyers. Can you or the bank confirm if they are on the panel?
It’s a good idea call your solicitor and ask them if they are on the bank's panel. Alternatively please get in touch with us and we can investigate and revert. Should the firm not be on the conveyancing panel we can certainly arrange a reputable conveyancing solicitor in Cudham on the approved list for your mortgage company.