I was advised today by my mortgage adviser that my Ramsey the law firm I have appointed is not on the bank Solicitor panel. What can I do to check?
You need to call your Ramsey lawyer directly. It is reasonable to expect your lawyer to notify you what has happened. Where they are not on the panel they may be able to suggest a Ramsey conveyancing practice that is on the conveyancing panel for your bank.
We are planning to acquire a flat and require a conveyancing solicitor in Ramsey who is on the Virgin Money conveyancing panel. Can you recommend a local solicitor?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Virgin Money . We don't recommend any particular firms conducting conveyancing in Ramsey.
I am planning to acquire a property and need a conveyancing solicitor in Ramsey who is on the Britannia conveyancing. Could you point me in the right direction as regards a solicitor?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Britannia in certain locations such as Ramsey. We dont recommend any particular firm.
My stepmother advised me that in buying a property in Ramsey there may be a number of restrictions preventing external changes to the property. Is this right?
We are aware of anumerous of properties in Ramsey which have some sort of restriction or requirement of consent to external variations. Part of the conveyancing in Ramsey should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
We have agreed to purchase a house in Ramsey. A rare aspect is that the roof has a solar panel. RBS have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As you are obtaining a mortgage with RBS your lawyer must comply with the conveyancing requirements contained in Part 2 of UK Finance Lenders’ Handbook for RBS. The CML Handbook includes minimum requirements for solar panel roof-space leases, and property lawyers are required to report to RBS where a lease does not satisfy these provisions. The conditions relate to the installation of panels on properties in England and Wales and is not isolated to Ramsey.
I have paid off my mortgage with Aldermore. I assume I don't need a Ramsey conveyancing practitioner on the Aldermore panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Aldermore 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 Aldermore mortgage from the register. Aldermore, 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 Aldermore has sent the Land Registry the discharge electronically, and
- Aldermore has instructed the Land Registry to do so
I have been told that property searches are the primary reason for obstruction in Ramsey house deals. Is this right?
The Council of Property Search Organisations (CoPSO) released determinations of research by MoveWithUs that conveyancing searches do not figure within the top 10 causes of hindrances in the conveyancing process. Local searches are not likely to feature in any holding up conveyancing in Ramsey.
Despite weeks of looking the Title Certificate and documents to my house can not be found. The conveyancers who dealt with the conveyancing in Ramsey 10 years ago no longer exist. What are my options?
Assuming the title is registered the information relating to your proprietorship will be documented by HMLR under a Title Number. It is possible to perform a search at the Land Registry, identify your property and obtain current copies of the Registered Entries for less than a fiver. Where the property is Leasehold then the Land Registry will in most cases hold a file copy of the Registered Lease and again, a copy can be retrieved for a small fee.