I am getting a mortgage with Halifax. My intention is to employ the services of a Licensed Conveyancer in Romney. Does the Halifax Conveyancing panel exclude conveyancers regulated by the CLC?
The Halifax approved solicitor list is, like many other lenders, represented by the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
Our son is about to exchange on a new build apartment in Romney with a mortgage from Nationwide. His lawyer has said that there is a delay in completing the ‘Disclosure of Incentive Form’. What is this document - I have never come across this before?
The form is intended to provide information to the main parties involved in the purchase. Therefore, it will be provided to your son’s lawyer who should be on the Nationwide conveyancing panel as a standard part of the process, and to the surveyor when asked. The developer will be required to start the process by downloading the form and completing it. The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Nationwide conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.
Forgive me if this question is silly but I am new to the process as FTB of a ground floor flat in Romney. Do I collect the keys to the premises on the completion date from my lawyer? If so, I will use a High Street conveyancing solicitor in Romney?
On the day of completion you do not need to go to the conveyancers office in Romney. Conveyancing lawyers for you will arrange to send the completion advance to the seller's lawyers, and once they have received this, you should be able to pick up the keys from the selling Agents and move into your new home. Usually this occurs early afternoon.
I am due to exchange contracts on my apartment. I had a double glazing fitted in January 2006, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, RBS are being a right pain. The Romney solicitor who is on the RBS conveyancing panel is saying indemnity insurance will be fine but RBS are requiring a building regulation certificate. Why do RBS have a conveyancing panel if they don't accept advice from them?
It is probably the case that RBS have referred the matter to their valuer. The reason why RBS 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.
My sealed bid on a house in Romney has been accepted, the owners do nevertheless have an associated purchase. The sellers have placed an offer on somewhere, but it’s not yet agreed to, and have viewings of other flats booked. I have chosen a local conveyancing solicitor in Romney. What should be my next step? When should I get the mortgage application with Kent Reliance going?
It is usual to have anxieties where there is a chain as you are unlikely to want to incur costs too early (home loan application is approx £1k, then survey, Romney conveyancing search fees, etc). First, you should check that your conveyancer is on the Kent Reliance approved list. As to the subsequent stages this very much depends on the specifics of your transaction, attraction to this property and on the state of the market. In a buoyant market many buyers would apply for the mortgage with Kent Reliance and arrange for the valuation and only if it was satisfactory would they pay their property lawyer to press on with the conveyancing in Romney.
Have purchased a a terraced house in Romney , how long should it take for the Land Registry to register my title? My Romney conveyancing solicitor works at snail pace, so I want to check the land registry aspects are concluded.
As far as conveyancing in Romney registration is no faster or slower than anywhere else in the country. Rather than based on location, timeframes can differ depending on the party submitting the application, whether it is in order and if the Land registry need to notify any third parties. As of today roughly three quarters of such applications are fully addressed within 12 days but some can be subject to longer hold-ups. Historically registration occurs after the new owner has moved in to the premises thus post completion formalities is not usually an essential issue yet if there is a degree of urgency associated with the registration then you or your solicitor should communicate with the Registry to express the reasoning for an expedited registration.
Due to the encouragement of my in-laws I had a survey completed on a property in Romney before instructing solicitors. I have been advised that there is a flying freehold overhang to the house. My surveyor advised that some mortgage companies may refuse to grant a mortgage on this type of home.
It varies from the lender to lender. Lloyds has different requirements from Nationwide. If you e-mail us we can check via the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Romney. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Romney to see if the conveyancing costs will increase in light of this.
My partner and I are are looking to find a responsive conveyancing solicitor in Romney to help me sell my home. I I am fearful of appointing the wrong one and there's plenty Romney conveyancing practices out there...who do I opt for?
To fee estimates for your move via conveyancing firms that provide services in Romney please make the most of our quote tool.