I am acquiring residence in Howden. My Conveyancer is not on the lender solicitor list. Is it possible for me to appoint my Howden conveyancing solicitor even though they are excluded from the bank panel?
You have a couple of choices available to you here
- Proceed with your existing Howden property lawyer but your bank will need to appoint a conveyancing practitioner from their approved panel. This will result in additional fees together with probable frustration.
- Get a new solicitor to conduct the conveyancing, making sure they are on the mortgage company conveyancing panel.
- Convince your conveyancer to pull out all the stops to get listed on the bank’s panel of solicitors
I do hope you can assist me. My Howden conveyancer is advising me that she is duty bound toapply for Howden conveyancing searches asthe firm are on the Lloydssolicitor panel. These Howden checks cost a lot of money can this be avoided?
Unfortunately both you and your lawyer have little choice here. Given that you are taking out a loan with a bank your conveyancer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your property lawyer would have previously signed the Terms and Conditions of your lender’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements . Even if you were a cash buyer you would be ill advised not to carry out Howden conveyancing searches.
If you had a top tip for choosing a conveyancing solicitor in Howden what would it be?
It would be unwise to be seduced by the lowest Howden conveyancing costs illustration. You really do get what you’re paying for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you know exactly what you’ll have to pay in advance.
The formalities of my remortgage has taken place for my property in Howden. Conveyancing was satisfactory but I would like to complain about the lender. How do I make a complaint?
Almost all banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. Ordinarily complaints to a lender are resolved very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
I can not work out if my bank requires a lease extension. I have telephoned my Howden bank branch on a couple of occasions and was told it does not impact the mortgage offer and they would lend. My Howden conveyancing solicitor - who is on the mortgage company conveyancing panel- called to say that they would not lend in accordance with their published requirements. Who do I believe?
As long as the conveyancer is on the bank approved list, they must adhere to the CML Handbook specifications for the bank. 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.
Are there restrictive covenants that are commonly identified during conveyancing in Howden?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Howden. 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…’
How does conveyancing in Howden differ for newly converted properties?
Most buyers of new build property in Howden come to us having been asked by the builder to exchange contracts and commit to the purchase even before the property is built. This is because house builders in Howden typically buy the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Howden or who has acted in the same development.
My mother completed her conveyancing in Howden 7 years ago. She has since got married, widowed and has recently married again. She wishes to market the house in a few months. I believe she will just be requested to provide a copy of the marriage papers to the conveyancing practitioner but she is anxious it will frustrate the house sale. Should she appoint a property lawyer to update the land title details for the property?
The is no need to bring up to date the register on the basis that you have the proof required to show how the change of name resulted.
The buyer’s property lawyer will check the title details and need evidence to establish the change of name for instance marriage documentation.