My IFA says he needs my Nether Stowey solicitor’s panel reference for the Lloyds conveyancing panel. Can you suggest how I find this out. I have e-mailed my local Nether Stowey office but they cant find it on their system.
The sensible thing to do is ask for this information from your Nether Stowey lawyer . They keep a central record lender panel numbers.
I have a decision in principle. The bank mentioned the mortgage came with free conveyancing. Does this mean I have to instruct their panel lawyer as I would prefer to instruct a specialised conveyancing solicitor in Nether Stowey?
You should check but the the probability is that appoint one of their panel lawyers if you accept the "fee-free" deal. Speak to the mortgage company and check if they offer you a cash alternative. It is not unheard for a lender to give a £250 cashback as a further option in which case that money can go towards your preferred conveyancing solicitor in Nether Stowey.
Are all Nether Stowey Conveyancing Quality Solicitors on the UBS conveyancing list of approved solicitors?
It is true that some banks and building societies now use the accreditation scheme as the starting point for Panel membership such as HSBC and Santander. CQS accreditation however is no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for solicitor practices wishing to remain on their panels.
I am selling my house. I had a double glazing fitted in October 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Leeds Building Society are being a right pain. The Nether Stowey solicitor who is on the Leeds Building Society conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Leeds Building Society are insisting on a building regulation certificate. Why do Leeds Building Society have a conveyancing panel if they don't accept advice from them?
It is probably the case that Leeds Building Society have referred the matter to their valuer. The reason why Leeds Building Society 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.
Co-operative have agreed my mortgage in principle, my offer on a house in Nether Stowey has been agreed to, now what?
Your property agent will need to be informed of your conveyancing practitioner's details (ensure that the lawyers are on the lender’s panel). Contact Co-operative or your broker and finalise any outstanding documentation. Co-operative will instruct a valuer who will get in contact with the selling agent or vendor to schedule an appointment. Once conducted (assuming no problems) it takes about a fortnight to get a mortgage offer. Co-operative will issue the offer to you and your property lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Nether Stowey.
Me and my brother have a semi-detached Edwardian house in Nether Stowey. Conveyancing solicitor acted for me and Bank of Scotland. I happened to do a free search for it on the Land Registry database and there are two entries: the first freehold, another for leasehold under the matching address. I thought I was buying a freehold how can I check?
You need to assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Nether Stowey and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also enquire as to the situation with the conveyancing practitioner who completed the work.
Due to the guidance of my in-laws I had a survey completed on a house in Nether Stowey prior to appointing conveyancers. I have been told that there is a flying freehold element to the house. My surveyor advised that some mortgage companies tend refuse to give a loan on such a premises.
It varies from the lender to lender. HSBC has different instructions from Nationwide. Should you wish to call us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Nether Stowey. Conveyancing will be smoother if you use a solicitor in Nether Stowey especially if they are acquainted with such properties in Nether Stowey.
What does commercial conveyancing in Nether Stowey cover?
Nether Stowey conveyancing for business premises covers a wide array of advice, supplied by regulated solicitors, relating to business premises. For instance, this type of conveyancing can cover the sale or purchase of freehold business premises or, more usually, the transfer of existing business tenancies or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial mortgages and the termination of tenancies.