The Kingston upon Thames conveyancing firm handling our Kingston upon Thames conveyancing has identified a discrepancy between the assumptions in the home valuation survey and what is revealed within the title deeds. My solicitor has advised that he needs to ensure that the lender is OK with this discrepancy and is still content to lend. Is my conveyancer’s course or action legitimate?
Your conveyancer must comply with the UK Finance Lenders’ Handbook provisions which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
Me and my partner are buying a property in Kingston upon Thames. I might seem paranoid but how we can trust a lawyer? At some point we will need to deposit funds into their account. What is the protection we have from them run away with our money?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
We are buying a 4 bedroom semi-detached house in Kingston upon Thames. We would like to carry out an extension to the side at the house.Will the conveyancing process include enquiries to ascertain if these works are allowed?
Your solicitor will review the registered title as conveyancing in Kingston upon Thames can on occasion reveal restrictions in the title documents which prohibit certain works or necessitated the consent of another owner. Some extensions call for local authority planning consent and approval under the building regulations. Many areas are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. It would be sensible to check these issues with a surveyor ahead of any purchase.
At last I have had an offer on an apartment in Kingston upon Thames accepted, but there is a chain. The vendors have put an offer on somewhere, but it’s not yet tied up, and have viewings of other apartments booked. I have instructed a bricks and mortar conveyancing solicitor in Kingston upon Thames. What do I do now? When do I get the mortgage application with Nottingham going?
It is understandable to have concerns where there is a chain as you are unlikely to want to incur expenses prematurely (home loan application is in the region of one thousand pounds, then survey, Kingston upon Thames conveyancing search costs, etc). The first course of action is to check that your conveyancer is on the Nottingham approved list. As to the next phase this very much dictated by the uniqueness of your case, desire for the property and on the state of the market. In a hot market many buyers will apply for a home loan with Nottingham and arrange for the valuation and only if it was satisfactory would they pay their lawyer to move forward with searches.
I am purchasing a property and the solicitor has mentioned Chancel Repair to which the property could be liable given it’s proximity to the area of such a church. She has suggested insurance. Is this strictly appropriate for conveyancing in Kingston upon Thames
Unless a previous purchase of the house took place post 12 October 2013 you may take it that solicitors carrying out conveyancing in Kingston upon Thames to remain recommending a chancel search and or chancel repair liability insurance.
I'm buying my first flat in Kingston upon Thames with a loan from Halifax. The builders refused to move on the price so I negotiated 6k of extras instead. The estate agent suggested that I not inform my solicitor about this deal as it will impact my loan with Halifax. Should I keep quiet?.
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.
I've recently found out that there is a flying freehold issue on a property I put an offer in two weeks back in what should have been a straight forward, no chain conveyancing. Kingston upon Thames is where the house is located. Is there any guidance you can impart?
Flying freeholds in Kingston upon Thames are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Kingston upon Thames you must be sure that your lawyer goes through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Kingston upon Thames may decide 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.
I am looking into buying my first house which is in Kingston upon Thames and I am already nervous. I couldn't find anything specific about Kingston upon Thames. Conveyancing will be needed in due course but do you know about the Kingston upon Thames area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Kingston upon Thames. In the meantime here are some basic statistics that we found