I am getting a mortgage offer from Santander. My intention is to employ the services of a Licensed Conveyancer in Seaford. Does the Santander Solicitor panel allow for conveyancers regulated by the CLC?
The Santander 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 CLC.
After researching moneysavingexpert.com for a recommended solicitor in Seaford, most post that I should use a CQS accredited solicitor. Can you explain what CQS is?
Seaford Conveyancing Quality Scheme practices have achieved certification under the Law Society's Scheme (CQS) CQS was created to promote high standards in the in the legal transfer of properties. CQS enables buyers and sellers to identify solicitor firms who provide a quality residential conveyancing. Seaford is one of the many areas in England and Wales in which CQS are based. The conveyancing scheme obliges practices to undergo a strict assessment, compulsory training, self-certification, spot checks and yearly assessments in order to maintain CQS status. It is available to solicitors and not licensed conveyancers and has the support of the Legal Ombudsman.
Intending to buy a maisonette in Seaford. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Aldermore conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Seaford conveyancer is on the Aldermore conveyancing panel.
I had an offer accepted on a house in Seaford on 14/8/2023, valuation was booked 3 days later, received a clean bill of health. Conveyancer retained, so the only thing outstanding was my mortgage offer. Having made daily calls to Virgin Money and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Virgin Money conveyancing panel. Can the lender hold off the offer?
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Virgin Money to deal with your lawyer's application to be on the Virgin Money conveyancing panel. There's no guarantee that your solicitor will be accepted.
After what seems like an age I have had an offer on an apartment in Seaford accepted, the vendors do however have an associated purchase. The owners have put an offer on a property, however it’s not yet tied up, and are looking at other flats in the pipeline. I have chosen a nearby conveyancing solicitor in Seaford. What do I do now? When do I get the mortgage application with TSB started?
It is understandable to have concerns where there is a chain as you are unlikely to want to incur costs too early (home loan application is approx £1k, then valuation, Seaford conveyancing search fees, etc). The first thing to do is check that your property lawyer is on the TSB conveyancing panel. Concerning the next phase this very much depends on the uniqueness of your case, desire for the property and on the state of the market. In a rising market some purchasers will apply for the mortgage with TSB and arrange for the valuation and only if it comes back ok would they request their lawyer to press on with the conveyancing in Seaford.
Due to the advice of my in-laws I had a survey completed on a house in Seaford prior to retaining lawyers. I have been advised that there is a flying freehold overhang to the house. My surveyor advised that some lenders will not issue a mortgage on such a home.
It varies from the lender to lender. Bank of Scotland has different instructions from Halifax. Should you wish to telephone us we can check via the relevant lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Seaford. Conveyancing will be smoother if you use a solicitor in Seaford especially if they are accustomed to such properties in Seaford.
Hoping to buy a property located in Seaford and I am already nervous. I couldn't find anything specific about Seaford. Conveyancing will be needed in due course but do you know about the Seaford area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Seaford. In the meantime here are some basic statistics that we found
My mum and dad are encountering problems in finding their Seaford land registry title on the site. They have a vague memory back in the 60’s when they bought the house there were complications concerning Seaford not being identified on some systems.
The vast majority of premises in Seaford should show up. Have you tried a search to simply the postcode. Normally it should reveal all the residences within that postcode. Where recorded it will show up with a title number. Where they bought back in the 70’s it's conceivable it may be unregistered. The property could still be revealed but with the title number shown 'na'. In this scenario you will need to find the original title deeds which may be with your parent’s lender.