I am buying an apartment in Killay. My Solicitor is not listed on the mortgage company solicitor list. Can I still continue with my Killay conveyancing solicitor notwithstanding that they are not on the lender list of approved lawyers?
One must use a conveyancer to complete the formalities when you take out a loan to buy your home. The solicitor will carry out all the relevant investigations on the property, ensuring that you will be registered as proprietor and ensure that all the necessary mortgage paperwork is dealt with. You may instruct a Killay conveyancing practitioner of your choice. Nevertheless, if the property lawyer selected is not a member of the mortgage company approved list supplemental charges will arise as separate legal representation will be need by the mortgage company. Lender panel applications may be submitted, so where your conveyancer has not previously applied for membership they should do so.
If you had a top tip for selecting a conveyancing solicitor in Killay what would it be?
Do not opt for the cheapest Killay conveyancing quote. You really do get what you pay for when it comes to property lawyers. 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 go into the conveyancing with your eyes wide open.
I am purchasing a property in Killay. One unusual aspect is that the roof has a solar panel. Santander have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As your lender is Santander your lawyer must check the formal requirements contained in Section two of UK Finance Lenders’ Handbook for Santander. The CML Handbook sets out minimum provisions for solar panel roof-space leases, and conveyancers are required to report to Santander where a lease does not comply with these specifications. The conditions relate to the installation of panels on properties countrywide and is not restricted to Killay.
Having digested plenty of mortgage guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Killay solicitor - who is on the Aldermore conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Aldermore will need an independent valuation of the property. Your lawyer will not arrange this. Usually Aldermore 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. You may wish to consider appointing your own Killay surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
My relative recommended that if I am buying in Killay I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is sometimes quoted for as part of the standard Killay conveyancing searches. It is not a small report of more than thirty pages, listing and setting out important information about Killay around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Local Education with maps and statistics, Local Amenities and other useful data concerning Killay.
Despite weeks of looking the Title Certificate and documents to my property can not be found. The lawyers who dealt with the conveyancing in Killay 10 years ago have long since closed. What do I do?
You no longer need to hold title official documentation to establish that you are the owner of your registered land or property, given that the Land Registry hold details of all registered land or property electronically.
I am looking for a conveyancing lawyer in Killay for my house move. Is there any facility to review a firm’s record with the legal regulator?
Members of the public can see published Solicitor Regulator Association (SRA) determinations arising from inquisitions commenced on or after 1 January 2008. Go to Check a solicitor's record. For records Pre 2008, or to check a solicitors history, call 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For non-uk callers, use +44 (0)121 329 6800. The SRA sometimes recorded call for training reasons.
My brother-in-law has suggested I instruct a conveyancing solicitor in Killay. I I would like to check if they are listed on the bank's conveyancing panel. Can you advise?
One option is to contact your solicitor and ask them if they are on the lender's approved list. Alternatively please get in touch with us and we can make some checks for you. If they are not on the bank panel we can certainly arrange a reputable conveyancing solicitor in Killay on the approved list for your lender.