My partner and I have organised a further advance on our mortgage from Virgin Money as we wish to carry out alterations to our property in Lewisham. Are we obliged to select a local Lewisham solicitor on the Virgin Money conveyancing panel to deal with the legals?
Virgin Money don't usually require a member of their conveyancing panel to handle the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Virgin Money list.
We have a mortgage agreed in principle with UBS. Lewisham conveyancing practitioners are chosen. What is the average time that one could expect to receive a mortgage offer from UBS?
There is no definitive answer here. Have UBS completed the survey? Have you informed UBS as to your lawyers' details and checked that your lawyers are on the UBS conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I am selling my flat. I had a double glazing fitted in March 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, RBS are being problematic. The Lewisham solicitor who is on the RBS conveyancing panel is recommending indemnity insurance as a solution but RBS are requiring a building regulation certificate. Why do RBS have a conveyancing panel if they don't accept advice from them?
It is probably the case that RBS have referred the matter to their valuer. The reason why RBS may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
The deeds to our home are lost. The conveyancers who conducted the conveyancing in Lewisham 5 years ago have long since closed. Will I be able to sell the house?
Gone are the days when you need to have the physical official documentation to establish that you are the registered proprietor of land or premises, given that the Land Registry have everything they need in a digital format.
I'm buying a new build house in Lewisham with a mortgage from TSB. The sellers would not budge the amount so I negotiated five thousand pounds worth of additionals instead. The property agent advised me not disclose to my lawyer about this side-deal as it would put at risk my mortgage with TSB. 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 house I put an offer in two weeks back in what was supposed to be a straight forward, no chain conveyancing. Lewisham is where the house is located. Can you offer any guidance?
Flying freeholds in Lewisham are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Lewisham you would need to get your solicitor to go through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Lewisham may ascertain 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 residence.
Is it possible to change conveyancer as I need to instruct one who is on the Aldermore conveyancing panel. I hired a high street conveyancing solicitor in Lewisham five minutes from me but the firm is not accepted by Aldermore
It would be our pleasure to assist you select a conveyancing solicitor in Lewisham on the Aldermore panel. Please note that the solicitors that we list do not pay us a referral fee if you instruct them and are authorised and regulated by the Solicitors Regulation Authority who oversee all conveyancing solicitors in Lewisham. In utilising the find a conveyancing solicitor tool on this site, you can scrutinise fees for conveyancing solicitors in Lewisham and beyond.
In my capacity as executor for the will of my uncle I am selling a house in Neath but I am based in Lewisham. My conveyancer (who is 300 miles awayhas requested that I execute a stat dec before the transaction finalising. Could you suggest a conveyancing practitioner in Lewisham to attest and place their company stamp on the document?
Technically speaking you are not likely to need to have the documents witnessed by a conveyancing solicitor. Ordinarily or notary public or qualified solicitor will do regardless of whether they are based in Lewisham