How do I discover of the solicitor handling my conveyancing in Hither Green is on the lender’sconveyancing panel? I am looking to avoid the situation of having one lawyer for me and one for Nationwide Building Society thus paying £187.00 plus VAT in supplemental conveyancing bill.
You should make use of the find a conveyancing panel solicitor tool on this site. Pick the mortgage company and type ‘Hither Green’ or your location and you will see numerous conveyancers based in Hither Green or near you.
I am expecting a AIP from Barclays this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Barclays recommend any Hither Green solicitors on the Barclays conveyancing panel, or is it better to go independently?
You will need to appoint Hither Green solicitors independently although you'll need to choose one on the Barclays conveyancing panel. The solicitor represents both you and Barclays through the process.
The mortgage over my property is with RBS for my property in Hither Green. Conveyancing was finalised a year ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform RBS?
RBS must be informed of your intention before renting your property as this is likely to be a breach of RBS’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact RBS directly. You need not do this via a RBS conveyancing panel firm.
At last I have had an offer on a maisonette in Hither Green accepted, but there is a chain. The vendors have offered on a property, but it’s not yet tied up, and have viewings of other properties in the pipeline. I have selected a local conveyancing solicitor in Hither Green. What should be my next step? When do I get the mortgage application with Lloyds started?
It is normal to have anxieties where there is a chain as you are unlikely to want to be too out of pocket too early (home loan application is approx £1k, then survey, Hither Green conveyancing search fees, etc). First, you must check that your lawyer is on the Lloyds approved list. Concerning the next phase this very much dictated by the uniqueness of your transaction, attraction to this property and on the state of the market. In a hot market some purchasers will apply for the mortgage with Lloyds and pay for the valuation and only if it was satisfactory would they pay their conveyancer to proceed with searches.
We are purchasing a house and the lawyer has mentioned Chancel Repair for which the property may be liable as it falls into the area of such a church. She has recommended insurance. Is this really required for conveyancing in Hither Green
Unless a previous purchase of the house completed after 12 October 2013 you may take it that lawyers handling conveyancing in Hither Green to continue to propose a a chancel search and or insurance against a claim.
Are there restrictive covenants that are commonly identified during conveyancing in Hither Green?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Hither Green. 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'm purchasing my first flat in Hither Green with a loan from Barclays Direct. The sellers refused to budge the amount so I negotiated £7000 of fixtures and fittings instead. The property agent advised me not reveal to my lawyer about this extras as it may adversely affect my mortgage with Barclays Direct. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
My wife and I purchased a leasehold flat in Hither Green. Conveyancing and Godiva Mortgages Ltd mortgage went though with no issue. I have received a letter from someone claiming to own the freehold. Attached was a demand for arrears of ground rent dating back to 1998. The conveyancing solicitor in Hither Green who previously acted has now retired. What should I do?
The first thing you should do is make enquiries of HMLR to be sure that this person is in fact the new freeholder. There is no need to instruct a Hither Green conveyancing solicitor to do this as you can do this on the Land Registry website for a few pound. You should note that in any event, even if this is the legitimate landlord, under the Limitation Act 1980 the limitation period for recovery of ground rent is six years.
Following years of negotiations we are unable to agree with our landlord on how much the lease extension should cost for our flat in Hither Green. Does the Leasehold Valuation Tribunal have jurisdiction to calculate the appropriate figures?
Most certainly. We can put you in touch with a Hither Green conveyancing firm who can help.
An example of a Freehold Enfranchisement case for a Hither Green premises is 18 Handen Road in April 2013. On 26 October 2012 District Judge Zimmels sitting at the Lambeth County Court made a Vesting Order that the Applicants be granted the right to acquire the freehold upon such terms and at such price determined by the LVT. The Tribunal arrived a figure of £39,535 as a valuation for the enfranchisement. This case affected 3 flats. The unexpired lease term was 69.05 years.