It has come to my attention via my estate agent that my Rottingdean solicitor is not on the bank Solicitor panel. What can I do to check?
You need to call your Rottingdean lawyer directly. It is reasonable to expect your lawyer to inform you of the situation. Where they are not on the panel they may recommend you to a Rottingdean conveyancing practice that is on the approved list of lawyers for your mortgage company.
It is is a decade since I purchased my home in Rottingdean. Conveyancing lawyers have just been retained on the sale but I can't locate my title deeds. Is this a problem?
Don’t worry too much. Firstly there is a possibility that the deeds will be retained by the lender or they may be in the possession of the solicitor who handled the purchase. Secondly in all probability the land will be registered at the land registry and you will be able to establish that you own the property by your conveyancing lawyers obtaining up to date copy of the land registers. Nearly all conveyancing in Rottingdean relates to registered property but in the unlikely event that your property is not registered it adds to the complexity but is resolvable.
This question may be naive but I am wet behind the ears as FTB of a ground floor flat in Rottingdean. Do I collect the keys to the house on the completion date from my solicitor? If so, I will find a High Street conveyancing solicitor in Rottingdean?
There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will transfer the purchase money to the owner’s solicitors, and shortly after the monies have arrived, you should be able to receive the keys from the selling Agents and move into your new home. Usually this happens early afternoon.
I am purchasing a end of terrace house in Rottingdean. Our aim is to carry out an extension to the side at the house.Will legal conveyancing on the property include enquiries to ascertain if these works are allowed?
Your solicitor will review the deeds as conveyancing in Rottingdean will sometimes identify restrictions in the title documents which prohibit certain alterations or require the consent of a 3rd party. Some extensions require local authority planning permissions and approval under the building regulations. Many areas are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. You should check these things with a surveyor prior to committing yourself to a purchase.
I am due to exchange contracts on my apartment. I had a double glazing fitted in July 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Kent Reliance are being difficult. The Rottingdean solicitor who is on the Kent Reliance conveyancing panel is saying indemnity insurance will be fine but Kent Reliance are insisting on a building regulation certificate. Why do Kent Reliance have a conveyancing panel if they don't accept advice from them?
It is probably the case that Kent Reliance have referred the matter to their valuer. The reason why Kent Reliance 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.
I used Wolstenholmes several years ago for my conveyancing in Rottingdean. I now require my papers however the law firm is no longer operating. What do I do?
Do call the Solicitors Regulatory Authority (SRA) to assist in tracking down 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 Rottingdean of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I'm buying a new build house in Rottingdean with a mortgage from Platform Home Loans Ltd. The builders would not reduce the amount so I negotiated five thousand pounds worth of fixtures and fittings instead. The property agent told me not disclose to my solicitor about this extras as it could jeopardize my loan with Platform Home Loans Ltd. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Me and my partner are hoping to buy a four room flatin Rottingdean with a loan from a bank. We have selected a solicitor in Rottingdean yet our bank advise he's not on their "panel". It seems we have little choice but to instruct from the our mortgage company panel solicitors or stay with our Rottingdean conveyancer and incur the extra costs for one of their panel ones to represent our mortgage company. This seems very unfair; is there anything we can do?
No, not really. The bank home loan issued is subject to conditions, one of which will be that lawyers will on the lender's conveyancing panel. in the past, most banks had open panels, including many conveyancing solicitors in Rottingdean : a mortgagee could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your solicitors to apply to be on the conveyancing panel for your mortgage company.