My financial adviser requires my Holyhead lawyer’ panel member for the Santander conveyancing panel. What is the best way to discover this. I have tried my local Holyhead office but they cant find it on their system.
The sensible thing to do is ask for this information from your Holyhead lawyer . They should have a central record lender panel numbers.
It is is a decade since I purchased my home in Holyhead. Conveyancing lawyers have now been retained on the sale but I can't track down the deeds. Will this jeopardise the sale?
You need not be too concerned. First the deeds may be kept by your mortgage company or they could still be with the conveyancers who oversaw your purchase. Secondly the likelihood is that the property will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers acquiring current official copies of the land registers. Nearly all conveyancing in Holyhead relates to registered property but in the rare situation where your property is unregistered it is more tricky but is resolvable.
I am assisting my sister sell her property in Holyhead. Will the conveyancer order an energy assessment or should I organise this?
Following the demise of Home Packs, energy assessments remained a required part of moving house. An energy assessment needs to be commissioned in advance of the property being marketed. This is not something that law firms normally organise. If you are using a Holyhead conveyancing solicitor they might be willing to arrange energy assessments due to their contacts with long established Holyhead providers
We had instructed solicitors based in Holyhead on the Nottingham solicitor approved list. They have just billed me a separate amount for the legal aspects of the Nottingham mortgage. Is this a supplemental conveyancing fee specified by Nottingham?
Provided it is contained in their Terms and Conditions or Quote then yes your lawyer can levy a fee for this. This charge is not dictated by Nottingham but by your Holyhead lawyer. Some firms on the Nottingham panel will quote an ‘acting for lender’ fee but many firms include it on their overall fee.
Lloyds have agreed my mortgage in principle, my offer on a house in Holyhead has been agreed to, what are the next steps?
The property agent will want to be informed of your conveyancing practitioner's details (be sure the property lawyers are on the bank’s approved list). Telephone Lloyds or your financial adviser and complete any appropriate documentation. Lloyds will instruct a valuer who will get in touch with the selling agent or seller to arrange a time for the valuation to take place. Once carried out (assuming no problems) it takes approximately a fortnight to receive the mortgage offer. Lloyds will issue the offer to you and your solicitors. The legal work will then take it’s course according the nature and complexity of the conveyancing in Holyhead.
Should our lawyer be raising enquiries about flooding during the conveyancing in Holyhead.
The risk of flooding is if increasing concern for conveyancers carrying out conveyancing in Holyhead. Plenty of people will acquire a property in Holyhead, fully aware that at some time, it may suffer from flooding. However, aside from the physical damage, if a property is at risk of flooding, it may be difficult to get a mortgage, adequate building insurance, or sell the property. Steps can be carried out during the course of a property purchase to forewarn the purchaser.
Conveyancers are not best placed to impart advice on flood risk, but there are a various checks that can be undertaken by the purchaser or by their lawyers which will give them a better understanding of the risks in Holyhead. The conventional set of property information forms supplied to a buyer’s conveyancer (where the Conveyancing Protocol is adopted) incorporates a standard question of the seller to discover if the premises has suffered from flooding. In the event that flooding has previously occurred which is not revealed by the seller, then a purchaser could commence a claim for damages as a result of such an inaccurate reply. A purchaser’s lawyers will also carry out an environmental report. This should higlight if there is a recorded flood risk. If so, more detailed inquiries will need to be initiated.
Me and my brother have a renovated Victorian house in Holyhead. Conveyancing solicitor acted for me and Bank of Ireland. I did a free Land Registry search last week and I saw a couple of entries: the first freehold, the second leasehold with the exact same property. I thought I was buying a freehold how can I check?
You need to read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Holyhead and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also check the situation with your conveyancing lawyer who carried out the work.
I am purchasing my first flat in Holyhead benefiting from help to buy. The developers would not budge the price so I negotiated 6k of additionals instead. The house builders rep suggested that I not inform my solicitor about this extras as it could jeopardize my mortgage with the bank. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the builder 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.