My wife and I intend to remortgage our maisonette in Sandbach with Coventry BS. We have a son 19 who lives with us. Our solicitor has asked us to disclose anyone over the age of 17 other than ourselves who lives in the flat. Our lawyer has now e-mailed a document for our son to sign, giving up any rights in the event that the apartment is forfeited by the lender. I have two concerns (1) Is this document specific to the Coventry BS conveyancing panel as he never had to sign this form when we remortgaged 4 years ago (2) Does our son by signing this extinguish his entitlement to inherit the property?
First, rest assured that your Coventry BS conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Coventry BS. This is solely used to protect Coventry BS if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Coventry BS had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
I am aiming to move property in March. Will my conveyancing solicitor communicate with the removal company on the day of completion. As an aside, can you put forward a removal company in Sandbach. Conveyancing lawyer was chosen prior to coming across your site.
On the day of completion you will need to collect the keys from your property agent but this should only take place when the vendors conveyancers inform the agent that they acknowledge receipt of the completion payment and the keys can be released. After that you can inform the removal company that you are ready to move in. We are not in a position to recommend a particular removal organisation but can assist you in choosing a residential property solicitor in Sandbach or a lawyer that specialises in conveyancing in Sandbach.
We previously selected solicitors located in Sandbach on the Nationwide solicitor panel. They have just billed me a further sum for the legal aspects of the Nationwide mortgage. Is this a supplemental conveyancing fee set by Nationwide?
Provided it is contained in their Terms of Engagement or estimate then yes your lawyer may charge a fee for this. This fee is not set by Nationwide but by your Sandbach lawyer. Numerous firms on the Nationwide panel will charge ’dealing with mortgage’ fee but some practices incorporate it on their overall fee.
I am purchasing a property in Sandbach. A rare aspect is that the roof has a solar panel. Coventry BS 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 Coventry BS your lawyer must comply with the conveyancing instructions set out in Section 2 of UK Finance Lenders’ Handbook for Coventry BS. The Council of Mortgage Lenders’ Handbook sets out minimum provisions for solar panel roof-space leases, and conveyancing practitioners are required to report to Coventry BS where a lease fails to comply with these conditions. The specifications relate to the installation of panels on properties nationwide and is not isolated to Sandbach.
What does a local search inform me about the house we're purchasing in Sandbach?
Sandbach conveyancing often commences with the applying for local authority searches directly from your local Authority or via a personal search organisations for instance Searchflow The local search plays a central part in many a Sandbach conveyancing purchase; as long as you wish to avoid any nasty once you have moved into your new home. The search should provide information on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 subject areas.
The deeds to my house can not be found. The conveyancers who conducted the conveyancing in Sandbach 10 years ago have long since closed. Will I be able to sell the house?
Nowadays there are duplicates made of almost everything, and your conveyancer should know exactly where to find all the suitable paperwork so you can purchase or sell your property without any difficulty. Where copies can’t be located, your lawyer can put in place insurance or indemnities against future claims on your premises.
I'm refinancing my current home to a buy to let loan with Chelsea Building Society and I will use the ballance of the raised equity as a deposit on further property. The location we are talking about is Sandbach. Will your solicitors be able to act for both sets of banks and tie in the transactions?
Do use our comparison tool on this page to check that the solicitors are on the appropriate lender panels. Having checked that they are your solicitor should be able to simultaneously deal with the two deals but you should talk with you lawyer and make clear your desired outcome and requirements.
I need to instruct a conveyancing solicitor in Sandbach for my house move. Is it possible to check a solicitor's complaints history with the profession’s regulator?
You can see presented Solicitor Regulator Association (SRA) determinations arising from inquisitions from 2008 onwards. Visit Check a solicitor's record. For information about the period before 1 January 2008, or to check a firm's history, call 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. International callers, call +44 (0)121 329 6800. The regulator could recorded call for training reasons.