My mortgage broker says he needs my Exeter lawyer’ panel member for the HSBC conveyancing panel. What is the best way to obtain this. I have tried my local Exeter branch but they have not got back to me yet.
Have you tried calling your Exeter solicitor about this?. Most Exeter conveyancing firms will retain a file or database of lender panel information which would include, if applicable, their conveyancing panel details for each bank.
I appreciate that there are debates on Chancel Insurance on online forums. Am I compelled to have this when purchasing a property in Exeter? or Apparently there is a law dating back centuries that means some house owners residing in a parish church boundary may be liable to pay for maintenance to the chancel in proximity to the church. Is this appropriate for conveyancing in Exeter?
Unless a previous purchase of the premises completed after 12 October 2013 you can expect solicitors handling conveyancing in Exeter to remain recommending a chancel search and or chancel repair liability policy.
Despite weeks of looking the Title Certificate and documents to our house are lost. The conveyancers who conducted the conveyancing in Exeter 10 years ago no longer exist. What are my next steps?
As long as the title is registered the details of your proprietorship will be retained by HMLR with a Title Number. It is possible to perform a search at the Land Registry, locate your house and secure up to date copies of the property title for less than a fiver. If the title is Leasehold then the Land Registry will also normally hold a file copy of the Registered Lease and again, a copy can be ordered for a small fee.
I am looking for a leasehold apartment up to £245,000 and found one close by in Exeter I like with open areas and transport links nearby, however it's only got 61 remaining years left on the lease. There is not much else in Exeter in this price bracket, so just wondered if I would be making a grave error acquiring a short lease?
If you require a home loan the remaining unexpired lease term will likely be problematic. Discount the price by the expected lease extension will cost if it has not already been discounted. If the existing proprietor has owned the property for a minimum of twenty four months you could ask them to commence the lease extension formalities and pass it to you. You can add 90 years to the existing lease term with a zero ground rent applied. You should speak to your conveyancing solicitor about this.
How easy is it to use the search app to choose a conveyancing solicitor in Exeter on the panel for my mortgage?
First choose a bank such as Lloyds TSB Bank, Norwich and Peterborough Building Society or Bank of Ireland then type in your preferred area for example Exeter. Conveyancing firms in Exeter and nationally will then be shown.
I pay a maintenance contribution for my flat in Exeter. As a result of personal circumstances I slipped behind with remittance. I negotiated a clearance schedule but there remains two due in arrears.
I now wish to dispose of the property and I am nervous that this may jeopardize the sale if I have to settle the amount due first. Do I have to settle before - is this viable?
Your lawyer should be able to negotiate with the appropriate parties, and agree with them whether or not they would accept settlement out of the completion monies. Here is an example of why it might be good to use a lawyer in Exeter as they may well enjoy an established relationship with the parties.