I am getting a mortgage offer from Santander. I would like to enlist the help of a Licensed Conveyancer in Polegate. Does the Santander Conveyancing panel exclude conveyancers regulated by the CLC?
The Santander conveyancing panel is, like many other lenders, associated to the CML or Building Society Association, open to Licensed Conveyancers regulated by the CLC.
Why do I have to pay up front when it comes to conveyancing in Polegate?
Where you are retaining lawyers for conveyancing in Polegate your solicitor will request that you to provide them with funds to cover the search fees. This will be the total of the cost of the conveyancing searches. If any deposit is as part of the total price then this should be needed immediately ahead of contracts are exchanged. The final balance that is needed should be sent to your lawyer shortly before completion.
A friend advised me that if I am purchasing in Polegate I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is occasionally included in the estimate for your Polegate conveyancing searches. It is not a small document of more than thirty pages, listing and setting out significant information about Polegate around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Local Education with plans and statistics, Local Amenities and other useful data regarding Polegate.
How does conveyancing in Polegate differ for new build properties?
Most buyers of new build property in Polegate come to us having been asked by the developer to exchange contracts and commit to the purchase even before the residence is built. This is because builders in Polegate tend to buy the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Polegate or who has acted in the same development.
I've recently found out that there is a flying freehold issue on a house I have offered on a fortnight ago in what should have been a straight forward, no chain conveyancing. Polegate is where the house is located. What do you suggest?
Flying freeholds in Polegate are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Polegate you must be sure that your lawyer goes through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Polegate may determine 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 property.
I need to find a conveyancing solicitor for residential conveyancing in Polegate. I happened to chance upon a site which seems to have the perfect solution If it is possible to get all the legals done via web that would be preferable. Should I be wary? What are the potential pitfalls?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?