My Norbiton lawyer has uncovered an inconsistency between the information in the home valuation survey and what is revealed within the title deeds. My lawyer says that he needs to ensure that the bank is OK with this discrepancy and is still content to lend. Is my solicitor’s approach appropriate?
Your lawyer must comply with the UK Finance Lenders’ Handbook requirements 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.
About to place an offer on a leasehold flat in Norbiton. The estate agents say that it is usual for flats in Norbiton to have less than 75 years left on the lease. I am getting a mortgage with Accord Mortgages. Will the property be mortgageable given that the lease has 70 years unexpired.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are securing a mortgage then your lender may insist that the lease be extended before competition. Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 23/11/2022 the requirements read as follows :
I am helping my sister sell her property in Norbiton. Does the conveyancing solicitor commission an EPC or it is for me to see to?
After the abolition of Home Information Packs, energy performance certificates remained a mandatory part of selling a house. An EPC needs to be to hand prior to the property being advertised. It is not a task that law firms ordinarily organise. Where you are instructing a Norbiton conveyancing solicitor they may be willing to arrange energy performance certificates given their relationships with reputable local energy assessors
My wife and I are in the process of viewing flats in Norbiton and I am now considering a potential offer. Is it best to have a property lawyer on ‘stand by’? I am planning to take a mortgage with UBS.
You should start obtaining conveyancing estimates from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and forward their details on to the selling agent. Given that you are seeking a mortgage with UBS, make sure you remember to check that your lawyer is on the UBS conveyancing panel.
Completion of my purchase has taken place for my property in Norbiton. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?
Most banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Department at head office. We understand that complaints to a lender are resolved very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
I need some fast conveyancing in Norbiton as I am faced with a deadline to sign on the dotted line in less than one month. Fortunately I do not require a mortgage. Can I avoid the conveyancing searches to save money and time?
As you are not taking a mortgage you are at liberty not to have searches carried out although no solicitor would suggest that you don't. Drawing on years of experience of conveyancing in Norbiton the following are examples of issues that can be revealed and adversely impact the marketability of the property: Refused Planning Applications, Outstanding Fees, Overdue Grants, Road Schemes,...
I used Arc property Solicitors a few years past for my conveyancing in Norbiton. Now, I need the files however the law firm is no longer operating. What do I do?
You should call the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Norbiton of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
In my capacity as executor for the will of my uncle I am selling a house in Swansea but reside in Norbiton. My lawyer (based 300 kilometers from mehas requested that I sign a statutory declaration ahead of completion. Could you suggest a conveyancing practitioner in Norbiton to witness and place their company stamp on the document?
Technically speaking you should not need to have the documents witnessed by a conveyancing solicitor. Normally any notary public or solicitor will be fine regardless of whether they are Norbiton based