My husband and I are refinancing our maisonette in Eastleigh with Santander. We have a son approaching twenty who lives with us. Our solicitor has asked us to disclose any adults other than ourselves who lives in the flat. The solicitor has now sent a form for our son to sign, waiving any legal rights in the event that the flat is forfeited by the lender. I have two concerns (1) Is this form unique to the Santander conveyancing panel as he never had to sign this form when we remortgaged 3 years ago (2) Does our son by signing this compromise his entitlement to inherit the property?
First, rest assured that your Santander conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Santander. This is solely used to protect Santander if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Santander had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
Have just purchased a repossessed house at auction in Eastleigh. Conveyancing is necessary. What is next?
Having for all intents and purposes signed on the dotted line you now have to retain a conveyancing lawyer quickly as you will have a fast approaching deadline in which to complete the conveyancing. Every auction property should have a bespoke legal pack. This will include most,if not all of the documents that your conveyancer requires. In the case of leasehold premises the legal pack should include a copy of the lease, management information and a sellers leasehold information form and associated conveyancing documentation pertinent to leasehold premises. You need to give this to the conveyancer instructed by you ASAP. Do make sure that your finances are in order to complete on the date specified in the contract.
We are buying a 4 bedroom semi-detached house in Eastleigh. We would like to carry out an extension to the side at the property.Will legal work on the property involve enquiries to see if these works are permitted?
Your solicitor will check the registered title as conveyancing in Eastleigh will occasionally identify restrictions in the title deeds which prohibit categories of works or need the permission of a 3rd party. Some additions need local authority planning permissions and approval in accordance building regulations. Many locations are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. You should check these things with a surveyor before you commit yourself to a purchase.
Are all Eastleigh Conveyancing Quality Solicitors on the Nationwide conveyancing list of approved practices?
It is true that some lenders now make use of the accreditation scheme as the starting point for Panel approval such as HSBC and Santander. CQS membership however gives no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for solicitor practices wishing to join their approved list of conveyancing solicitors.
What can a local search reveal about the house I am purchasing in Eastleigh?
Eastleigh conveyancing often commences with the ordering local authority searches directly from your local Authority or via a personal search organisations for example PSG The local search is essential in every Eastleigh conveyancing purchase; that is if you wish to avoid any nasty once you have moved into your property. The search should reveal 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 13 subject areas.
How does conveyancing in Eastleigh differ for new build properties?
Most buyers of new build residence in Eastleigh contact us having been asked by the seller to exchange contracts and commit to the purchase even before the house is constructed. This is because builders in Eastleigh typically acquire the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Eastleigh or who has acted in the same development.
My husband and I are a fortnight into a freehold purchase having been directed to solicitors by the selling agent to execute conveyancing in Eastleigh. I am am very frustrated with the level of service. Can you help me find new solicitors?
They would have to be very bad in order to consider diss instructing them. Has your mortgage offer been issued? In the event that it has you need to make them aware of the new contact details and get the mortgage documents are issued to the new lawyers. The solicitor ideally needs to be on the lenders approved list to avoid escalating costs and delays. That should be your first question of the new lawyers. Our find a solicitor tool can assist you in finding a bank approved lawyer for your conveyancing in Eastleigh
Are there any apps to help find a Eastleigh conveyancing solicitor on the mortgage company conveyancing panel? I have a car and am prepared to travel up to 10kilometers to meet the conveyancer.
Feel free to make use of the find a conveyancing panel tool on this website. Please choose the lender and your location, in this case Eastleigh and you will see a number of lawyer located nearest Eastleigh. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the bank solicitor panel.