Does a directory service exist listing Skipton panel solicitors in Downend on the Building Society Association’s Website?
Unfortunately not yet. There is no such facility on the Council of Mortgage Lenders or Building Society Association websites. A small selection of lenders make their panel listings open the public on the web. If you are in need of a Downend property lawyer on the Skipton please use our tool.
I am buying a property in Downend. One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Santander be concerned?
As your lender is Santander your lawyer must comply with the formal requirements set out in Part two of UK Finance Lenders’ Handbook for Santander. The CML Handbook sets out minimum specifications for solar panel roof-space leases, and lawyers are required to report to Santander where a lease fails to comply with these provisions. The provisions relate to the installation of panels on properties nationwide and is not restricted to Downend.
I have paid off my mortgage with UBS. I assume I don't need a Downend lawyer on the UBS panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your UBS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the UBS mortgage from the register. UBS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where UBS has sent the Land Registry the discharge electronically, and
- UBS has instructed the Land Registry to do so
What can a local search tell me concerning the property we're purchasing in Downend?
Downend conveyancing often starts with the ordering local authority searches directly from your local Authority or via a personal search company for instance PSG The local search is essential in every Downend conveyancing purchase; as long as you wish to avoid any unpleasant once you have moved into your new home. The search should reveal data on, amongst other things, details on planning applications applicable to the premises (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 13 subject sections.
It has been 4 months since my purchase conveyancing in Downend concluded. I have checked the Land Registry website which shows that I paid £150,000 when infact I paid £215,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I am buying a new build house in Downend benefiting from help to buy. The sellers would not move on the amount so I negotiated five thousand pounds worth of extras instead. The property agent told me not to tell my lawyer about the deal as it may jeopardize my mortgage with the bank. Is this normal?.
All lenders require a Disclosure of Incentives Form from the developer 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.
Are there any apps to assist me to search for a Downend solicitor on the Norwich and Peterborough Building Society conveyancing panel? I have a car and am prepared to travel upto 25miles to meet the conveyancer.
Feel free to make use of the facility on this website. Please choose the mortgage company and your location and you will see a number of Downend conveyancing lawyers located nearest you. We have detailed some Downend conveyancing firms towards the end of this page and you can telephone them to check whether they are on the Norwich and Peterborough Building Society member panel
I need to instruct a conveyancing solicitor for remortgage conveyancing in Downend. I happened to chance upon a site which seems to have the perfect answer If there is a chance to get all this stuff done via phone that would be preferable. Do I need to be concerned? What are the potential pitfalls?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?