I have just been advised by my IFA that my Melton Mowbray the law firm I have appointed is not on the mortgage company Conveyancing panel. What can I do to be certain that this is indeed the case?
The best course of action for you to take is to call your Melton Mowbray conveyancer. It is reasonable to expect your lawyer to inform you what has happened. If they are not on the panel they may be able to suggest a Melton Mowbray conveyancing firm that is on the conveyancing panel for your mortgage company.
My house in Melton Mowbray is up for sale and I have a purchaser. Will the property lawyer need to be required to be on the Skipton conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Skipton conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their specifications fairly frequently in recent years.
I have today made my last payment due on my mortgage with RBS. I assume I don't need a Melton Mowbray lawyer on the RBS panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your RBS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the RBS mortgage from the register. RBS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where RBS has sent the Land Registry the discharge electronically, and
- RBS has instructed the Land Registry to do so
Completion of my remortgage has taken place for my property in Melton Mowbray. Conveyancing was satisfactory but I would like to complain about the lender. How does one go about formally complaining?
Most banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. Ordinarily complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
Clydesdale have agreed my home loan in principle, my offer on a flat in Melton Mowbray has been accepted, what happens next?
The estate agent will wish to know who your solicitors are (make sure the lawyers are on the bank’s panel). Contact Clydesdale or the financial adviser and complete any appropriate documentation. Clydesdale will instruct a valuer who will get in touch with the estate agent or vendor to schedule an appointment. Once carried out (assuming no problems) it takes on average ten days for the mortgage offer to be issued. Clydesdale will issue the offer to you and your conveyancers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Melton Mowbray.
Due to the input of my in-laws I had a survey completed on a property in Melton Mowbray ahead of retaining solicitors. I have been advised that there is a flying freehold aspect to the house. Our surveyor has said that some lenders will not grant a loan on this type of property.
It varies from the lender to lender. HSBC has different instructions for example to Halifax. If you e-mail us we can look into this further via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Melton Mowbray. Conveyancing will be smoother if you use a solicitor in Melton Mowbray especially if they are acquainted with such properties in Melton Mowbray.
I have been sourcing a conveyancing practitioner in Melton Mowbray for my sale. Is there any facility to review a solicitor's complaints history with the legal regulator?
One can find published Solicitor Regulator Association (SRA) decisions resulting from investigations from 2008 onwards. Visit Check a solicitor's record. To find information about the period before 1 January 2008, or to check a firm's history, ring 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. International callers, use +44 (0)121 329 6800. The SRA could recorded call for training requirements.
I am on look out for some leasehold conveyancing in Melton Mowbray. Before I get started I want to be sure as to the remaining lease term.
Assuming the lease is recorded at the land registry - and almost all are in Melton Mowbray - then the leasehold title will always include the short particulars of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.
Melton Mowbray Leasehold Conveyancing - A selection of Questions you should consider Prior to Purchasing
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It would be sensible to discover as much as you can regarding the company managing the block as they will either make your living at the property much simpler or much more difficult. As the owner of a leasehold property you will be in the clutches of the managing agents from a financial perspective and when it comes to every day matters such as the tidiness of the communal areas. Enquire of prospective neighbours what they think of them. On a final note, be sure you discover the dates that the service charges are due to the appropriate party and precisely what you get for your money. Are any of leasehold owners in dispute over their service charge liability? Is anyone aware of any major works anticipated that will increase the maintenance costs?