My wife and I have recently appointed a conveyancing solicitor in Hayling Island. I need to find out whether they are on the The Royal Bank of Scotland approved list of lawyers. Could you or the lender confirm if they are on the panel?
The first thing you should do is e-mail your conveyancer and enquire if they can act for the lender. Alternatively you should get in touch with The Royal Bank of Scotland who may be able to confirm.
I can not fathom if my lender requires a lease extension. I have called into my local Hayling Island building society branch on a couple of occasions and was told it does not impact the mortgage offer and they will lend. My Hayling Island conveyancing solicitor - who is on the lender conveyancing panel- telephoned and was told they would not lend based on their specific requirements. I have no idea who is right.
Provided that the property lawyer is on the lender panel, she or he must comply with the CML Handbook specifications for the lender. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.
After months of negotiation I have agreed a price on a house in Hayling Island. My financial adviser recommended their conveyancers. I paid an on account payment of £225. Not long after, the solicitor contacted me embarrassingly acknowledging that they were not on the Principality conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Principality panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I've read lots of house buying guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Hayling Island solicitor - who is on the Yorkshire BS conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Yorkshire BS will need an independent valuation of the property. Your lawyer will not arrange this. Usually Yorkshire BS will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Hayling Island postcode. As you are getting a mortgage with Yorkshire BS, you could contact them to see if they have a list of approved surveyors in Hayling Island.
My partner and I are intent on selling our home in Hayling Island and the buyers lawyers are claiming that there is a possibility that the property was built land that was not decontaminated. Any local conveyancer would know that there is no such problem. It does beg the question why the purchasers instructed a national conveyancing outfit rather than a conveyancing solicitor in Hayling Island. We have lived in Hayling Island for many years we know that this is a non issue. Do we get in touch with our local Authority to obtain clarification need.
It sounds as though you may have a conveyancing solicitor already. What do they say? 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)
Are there restrictive covenants that are commonly identified during conveyancing in Hayling Island?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Hayling Island. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I opted to have a survey completed on a house in Hayling Island prior to instructing lawyers. I have been advised that there is a flying freehold element to the property. Our surveyor has said that some banks tend not issue a mortgage on this type of premises.
It varies from the lender to lender. Lloyds has different instructions from Nationwide. Should you wish to telephone us we can investigate further via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Hayling Island. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Hayling Island to see if the conveyancing will be more expensive.
Is it best to appoint a Hayling Island conveyancing solicitor in close proximity to the house I am purchasing? We have a good friend who can conduct the legal formalities but her office is a couple of hundredmiles drive away.
The benefit of a local Hayling Island conveyancing firm is that you can drop in to execute documents, deliver your identification documents and apply pressure on them if necessary. They will also have local insight which is a plus. However it's more important to get someone that will do a good and efficient job. If if people you trust used your friend and on the whole were happy that must surpass using an unfamiliar Hayling Island conveyancing solicitor just because they are based in the area.