Souldretaining a Hawkhurst conveyancing firm make the legal process smoother?
Hawkhurst is a special area, where local know-how counts for a lot. The relaxed pace of life has it’s attractions – but not when it comes to your conveyancing. The solicitors that we work with combine wide Hawkhurst intelligence with a professional, can doattitude that ensures everything runs smoothly. It will certainly help that they enjoy long term relationships with financial advisers, search providers, surveyors and other Hawkhurst conveyancing firms
My lawyer has identified a defect with the lease for the flat we are purchasing in Hawkhurst. The other side have put forward title insurance as a solution. We are happy with insurance and will cover the costs. Our lawyer says that he must be satisfied that the mortgage company is content with this solution. Who is the client here, us or the lender?
Even though you have a mortgage offer from the lender does not mean to say that the property will meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook conditions. You and the mortgage company are the client. The appropriate lender provisions must be adhered to.
My wife and I have organised the release of further monies on our home loan from HSBC as we wish to carry out a loft conversion to our house in Hawkhurst. Do we need to choose a high street Hawkhurst solicitor on the HSBC conveyancing panel to deal with the legals?
HSBC do not ordinarily appoint a member of their conveyancing panel to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the HSBC panel.
We have agreed to purchase a house in Hawkhurst. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Co-operative be concerned?
Given that your lender is Co-operative your lawyer must comply with the conveyancing instructions set out in Section 2 of UK Finance Lenders’ Handbook for Co-operative. The CML Handbook includes minimum conditions for solar panel roof-space leases, and property lawyers are required to report to Co-operative where a lease does not meet these specifications. The specifications relate to the installation of panels on properties nationwide and is not limited to Hawkhurst.
I am selling my house. I had a double glazing fitted in September 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Bank of Ireland are being pedantic. The Hawkhurst solicitor who is on the Bank of Ireland conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Bank of Ireland are requiring a building regulation certificate. Why do Bank of Ireland have a conveyancing panel if they don't accept advice from them?
It is probably the case that Bank of Ireland have referred the matter to their valuer. The reason why Bank of Ireland 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.
I am selling our property in Hawkhurst and the buyers lawyers are claiming that there is a possibility that the property was constructed land that was not decontaminated. Any local lawyer would know that there is no such problem. For the life of me I don't know why the purchasers are using a nationwide conveyancing firm as opposed to a conveyancing solicitor in Hawkhurst. Having lived in Hawkhurst for 5 years we know that this is a non issue. Do we get in touch with our local Authority to seek confirmation that the buyers are looking for.
It sounds as though you may have a conveyancing solicitor already. Are they able to advise? You should enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same illness)
Due to the guidance of my in-laws I had a survey completed on a property in Hawkhurst in advance of retaining conveyancers. I have been told that there is a flying freehold element to the property. The surveyor has said that some banks will refuse to grant a mortgage on a flying freehold property.
It varies from the lender to lender. Lloyds has different instructions from Halifax. Should you wish to call us we can investigate further with the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Hawkhurst. Conveyancing may be slightly more expensive based on your lender's requirements.
My partner and I have just had an offer accepted on a property and had an appointment on Friday with HSBC for the mortgage. They warned me that when it comes to selecting a solicitor that unless they are on their approved panel of conveyancing practitioners then we will have to pay out an extra fee of about two hundred pounds. This is is due to the fact that they will then have to instruct a conveyancer to act on their behalf as well as the one we appoint on our behalf and we are liable for their invoice. I have requested HSBC to supply me with a list so I can request estimates only from their approved solicitors but was told that I need to check with each individual conveyancer to see if they are on the panel. Is there a simple way of finding out who is on a lender panel?
You can enquire of HSBC what their panel criteria is for a conveyancer.Then ask the property lawyer of your choice whether they fit that criteria and have they acted on loans for HSBC before. If the answer to those is yes, then just double check with HSBC. Another option is to utilise our search facility and we should be able to locate a property lawyer in Hawkhurst on the panel for HSBC.