We are purchasing a newbuild flat in Mansfield with a mortgage from Halifax.We use our Mansfield conveyancing practitioner but Halifax advised that her practice is not listed on their "panel". we are left little option but to use a Halifax panel firm or keep our preferred solicitor and fork out for a Halifax panel lawyer to act for them. We feel as though this is unjust; is there anything we can do?
No, not really. The home loan offered to you contains terms and conditions, one of which will be that solicitors must be on the Halifax approved list. in the past, most banks had large numbers of solicitors on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your lawyer to apply to be on the conveyancing panel for Halifax
I am purchasing a terrace house in Mansfield. Our aim is to carry out a loft conversion at the house.Will legal work on the property include enquiries to see if these alterations are permitted?
Your conveyancer should review the registered title as conveyancing in Mansfield can on occasion reveal restrictions in the title documents which prevent categories of changes or necessitated the permission of a 3rd party. Many additions need local authority planning permissions and approval in compliance with building regulations. Many areas are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. It would be wise to check these things with a surveyor before you commit yourself to a purchase.
Intending to buy a maisonette in Mansfield. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Barclays conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Mansfield conveyancer is on the Barclays conveyancing panel.
After shopping around on the internet I have found a Mansfield conveyancing practitioner having made sure that they are on the Coventry BS conveyancing panel. Does my lawyer arrange the survey of the property?
Coventry BS will need an independent valuation of the property. Your lawyer will not arrange this. Usually Coventry BS 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. Your solicitor will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Mansfield postcode. As you are getting a mortgage with Coventry BS, you could contact them to see if they have a list of approved surveyors in Mansfield.
Should commercial conveyancing searches reveal impending roadworks that could impact a commercial estate in Mansfield?
Its becoming the norm that commercial conveyancing solicitors in Mansfield will perform a SiteSolutions Highways report as it reduces the time that conveyancers spend in investigating accurate data on highways that impact buildings and development assets in Mansfield. The search result sets out definitive information on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Mansfield.
For every commercial conveyancing transaction in Mansfield it is crucial to investigate the adoption status of roads surrounding a site. Failure to identify developments where adoption procedures have not been dealt with adequately could cause delays to Mansfield commercial conveyancing deals as well as present a risk to future intentions for the site. These searches are not ordered for residential conveyancing in Mansfield.
Are there restrictive covenants that are commonly identified during conveyancing in Mansfield?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Mansfield. 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…’
I am purchasing a new build house in Mansfield benefiting from help to buy. The sellers refused to reduce the price so I negotiated 6k of fixtures and fittings instead. The house builders rep suggested that I not reveal to my conveyancer about the extras as it will adversely affect my loan with Godiva Mortgages Ltd. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the developer 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 am looking for a conveyancing solicitor in Mansfield for my home move. Is there any facility to see a solicitor's record with the profession’s regulator?
Anyone can find presented Solicitor Regulator Association (SRA) decisions arising from investigations started on or after Jan 2008. Go to Check a solicitor's record. To find details about the period before 1 January 2008, or to check a solicitors record, phone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For callers outside the UK, use +44 (0)121 329 6800. The regulator sometimes monitor telephone calls for training requirements.