It has come to my attention via my lender that my Hilsea lawyer is not on the mortgage company Conveyancing panel. How can I be sure that this is correct?
The first thing you need to do is to call your Hilsea conveyancer. You lawyer should notify you of the situation. If they are not on the panel they may recommend you to a Hilsea conveyancing practice that is on the approved list of lawyers for your mortgage company.
Me and my partner are due to complete buying a property in Hilsea but as a consequence of wreckage from the recent storms I have managed to agree recompense from the seller of £2k by way of a deduction in the price. This was going to be addressed as part of amending the contract yet Santander will not permit this. Why were they notified?
Any solicitor that is on a Santander conveyancing panel is obliged to advise Santander of any amendments to the purchase price. If you prohibit your conveyancer to report the reduction to Santander then they would have to discontinue acting for you. In addition, Santander and you would have to appoint a new property lawyer for your conveyancing in Hilsea.
It is a dozen years since I acquired my home in Hilsea. Conveyancing lawyers have recently been retained on the sale but I am unable to track down my deeds. Is this a problem?
You need not be too concerned. Firstly the deeds may be with the lender or they may be archived with the solicitor who oversaw the purchase. Secondly in all probability the land will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing solicitors acquiring up to date copy of the land registers. Almost all conveyancing in Hilsea involves registered property but in the unlikely event that your home is not registered it is more of a problem but is not insurmountable.
My uncle pointed out to me me that in buying a property in Hilsea there could be a number of restrictions prohibiting external changes to a property. Is this right?
We are aware of anumerous of properties in Hilsea which have some sort of restriction or requirement of consent to perform external changes. Part of the conveyancing in Hilsea should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I was told three weeks ago that my mortgage has been agreed to by Coventry BS. Is it usual for Coventry BS to only issue the offer once my solicitor in Hilsea is approved on their conveyancing panel? Coventry BS have asked my solicitor to see a copy of their PI Insurance.
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Coventry BS to deal with your lawyer's application to be on the Coventry BS conveyancing panel. There's no guarantee that your solicitor will be accepted.
After what seems like an age I have had an offer on a flat in Hilsea agreed to, the owners do nevertheless have a connected purchase. The owners have placed an offer on on an apartment, however it’s not been accepted yet, and are looking at other flats in the pipeline. I have chosen a high street conveyancing solicitor in Hilsea. What do I do now? At what point should I apply for the mortgage with Co-operative?
It is usual to have apprehensions where there is a chain as you are unlikely to want to incur expenses prematurely (mortgage application is approx one thousand pounds, then survey, Hilsea conveyancing search fees, etc). First, you should ensure that your property lawyer is on the Co-operative approved list. As to the subsequent phase this very much depends on the circumstances of your case, motivation for the property and on the state of the market. During a buoyant market many home buyers will apply for a home loan with Co-operative and arrange for the valuation and only if it comes back ok would they pay their conveyancing practitioner to proceed with searches.
I used Stirling Law several years ago for my conveyancing in Hilsea. I now require my papers but cannot find the solicitor. What do I do?
You should call the Solicitors Regulatory Authority (SRA) to assist in tracing your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Hilsea of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
Yesterday I discovered that there is a flying freehold element on a house I put an offer in two weeks back in what was supposed to be a straight forward, chain free conveyancing. Hilsea is where the house is located. Can you offer any assistance?
Flying freeholds in Hilsea are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Hilsea you would need to get your solicitor to go through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Hilsea may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.