We are planning to purchase with Coventry BS. I called into 3 or 4 local practices but am unable to find a Edge Hill conveyancing firm on the Coventry BS approved list. Could you assist?
Please do make the most of the search tool on this site. Pick the lender and type Edge Hill or your preferred area and you will discover a number of lawyer located in Edge Hill or nearest you.
We are buying a 3 bedroom semi in Edge Hill. We would like to carry out an extension to the side at the property.Will legal investigations on the property involve enquiries to ascertain if these alterations are prohibited?
Your property lawyer will check the registered title as conveyancing in Edge Hill can occasionally reveal restrictions in the title documents which prohibit categories of works or require the permission of another owner. Certain additions need local authority planning consent and approval under the building regulations. Some locations are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. You should check these things with a surveyor ahead of any purchase.
The formalities of my purchase has taken place for my property in Edge Hill. Conveyancing was of an acceptable standard but I would like to complain about the lender. How do I make a complaint?
All lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. In most cases complaints to a lender are resolved very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
I am due to exchange contracts on my house. I had a double glazing fitted in June 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Lloyds are being difficult. The Edge Hill solicitor who is on the Lloyds conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Lloyds are insisting on 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.
Should our conveyancer be raising questions regarding flooding as part of the conveyancing in Edge Hill.
The risk of flooding is if increasing concern for conveyancers carrying out conveyancing in Edge Hill. There are those who acquire a property in Edge Hill, completely expectant that at some time, it may suffer from flooding. However, aside from the physical destruction, if a property is at risk of flooding, it may be difficult to get a mortgage, suitable building insurance, or dispose of the premises. There are steps that can be taken as part of the conveyancing process to forewarn the purchaser.
Lawyers are not best placed to give advice on flood risk, however there are a numerous searches that can be initiated by the buyer or on a buyer’s behalf which should figure out the risks in Edge Hill. The conventional set of property information forms given to a purchaser’s solicitor (where the Conveyancing Protocol is adopted) incorporates a usual question of the owner to discover whether the premises has ever been flooded. If flooding has previously occurred which is not notified by the vendor, then a purchaser could issue a legal claim for losses as a result of such an misleading answer. A buyer’s solicitors may also order an environmental search. This will higlight if there is any known flood risk. If so, additional investigations will need to be conducted.
I decided to have a survey carried out on a house in Edge Hill prior to instructing conveyancers. I have been informed that there is a flying freehold aspect to the house. Our surveyor has said that some banks may refuse to grant a loan on such a home.
It varies from the lender to lender. HSBC has different requirements for example to Nationwide. Should you wish to telephone us we can check via the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Edge Hill. Conveyancing will be smoother if you use a solicitor in Edge Hill especially if they are familiar with such properties in Edge Hill.
What tools are available to search for a Edge Hill solicitor on the Virgin Money conveyancing panel? I have wheels and am willing to travel upto 20kilometers to meet the solicitor.
Feel free to make use of the tool on this website. Please choose the mortgage company and your location and you will see a number of Edge Hill conveyancing lawyers locally. We have listed some Edge Hill conveyancing firms towards the end of this page and you can call them to verify whether they are on the Virgin Money panel
Two months into purchasing a residence in Edge Hill. Conveyancing solicitor has phoned to say the property is "Leasehold". Should this make a difference on the marketability of the property?
Edge Hill conveyancing does not in most situations involve leasehold houses. The main consideration here is the length of lease and the ground rent. If there are hundred of years years remaining with a peppercorn rent, it's virtually freehold, so it’s unlikely to impact the saleability too much.
At the other end of the spectrum, if it's, say, 50 years it is bound to have a material effect on the value, and most likely wouldn't be acceptable to the bank. The remaining lease term and ground rent will be specified in the lease which should be made available to your solicitor.