Souldinstructing a Hastings conveyancing lawyer make my purchase more efficient?
Hastings is a special area, where neighbourhood insight is a big bonus. The laid-back lifestyle is great – but not when it comes to your conveyancing. The conveyancers that we list combine deep Hastings insight with a proactive, hands-onattitude that ensures the conveyancing to progress hassle free. It will certainly help that they can make use of established connections with financial advisers, estate agents, surveyors and other Hastings conveyancing practitioners
My wife and I are refinancing our flat in Hastings with Yorkshire BS. We have a son 19 who lives with us. Our solicitor requested us to identify anyone over the age of 17 other than ourselves who reside at the property. The solicitor has now sent a form for our son to sign, giving up any rights in the event that the apartment is forfeited by the lender. I have two concerns (1) Is this document specific to the Yorkshire BS conveyancing panel as he did not need to sign this form when we remortgaged 3 years ago (2) Does our son by signing this giving up his rights to inherit the property?
On the face of it your lawyer has done nothing wrong 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 Yorkshire BS. This is solely used to protect Yorkshire BS 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 Yorkshire BS 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.
I am expecting a OIP from Principality this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Principality recommend any Hastings solicitors on the Principality conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Hastings solicitors independently although you'll need to choose one on the Principality conveyancing panel. The solicitor represents both you and Principality through the process.
I am due to exchange contracts on my flat. I had a double glazing fitted in November 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, RBS are being difficult. The Hastings solicitor who is on the RBS conveyancing panel is saying indemnity insurance will be fine but RBS are insisting on a building regulation certificate. Why do RBS have a conveyancing panel if they don't accept advice from them?
It is probably the case that RBS have referred the matter to their valuer. The reason why RBS 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.
My sealed bid on a property in Hastings has been agreed to, but there is a chain. The sellers have put an offer on somewhere, but it’s not yet agreed to, and are looking at other flats in the pipeline. I have chosen a high street conveyancing solicitor in Hastings. What should be my next step? When do I get the mortgage application with Kent Reliance started?
It is usual to have concerns where there is a chain as you are unlikely to want to incur costs prematurely (mortgage application is in the region of £1k, then survey, Hastings conveyancing search charges, etc). First, you should ensure that your lawyer is on the Kent Reliance approved list. Regarding the next phase this very much depends on the specifics of your transaction, motivation for this property and on the state of the market. During a rising market many purchasers will apply for the mortgage with Kent Reliance and arrange for the valuation and only if it was satisfactory would they pay their conveyancer to press on with searches.
What does a local search reveal concerning the property we're buying in Hastings?
Hastings conveyancing often commences with the applying for local authority searches directly from your local Authority or via a personal search organisations for instance Onsearch The local search plays a central role in most Hastings conveyancing purchase; that is if you wish to avoid any nasty once you have moved into your property. The search will provide data on, amongst other things, details on planning applications relevant 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 headings.
The deeds to our home are lost. The solicitors who did the conveyancing in Hastings 4 years ago are no longer around. What do I do?
Gone are the days when you need to hold title official documentation to establish that you own the land or premises, given that the Land Registry have everything they need in a digital format.
I need to review costs for conveyancing in Hastings from three solicitor and appoint one. Should I instruct them to hold tight until I have found somewhere to purchase.
You should wait to get your conveyancer to start work and apply for searches once the offer has been accepted on the property particularly as Hastings conveyancing searches are a couple of hundred pounds.