we are a couple who are hoping to buy a purpose built flat in Seaview with a homeloan from Chelsea Building Society.We like our Seaview conveyancing lawyer but Chelsea Building Society informed us she’s not listed on their "panel". It seems we have little choice but to instruct a Chelsea Building Society panel lawyer or keep our local solicitor and fork out for one of their panel ones to act for them. This seems very unfair; Can we not simply insist that Chelsea Building Society use our lawyer?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, a common one being that conveyancers needs to be on the Chelsea Building Society solicitor panel. Until recently, most mortgage companies had large numbers of solicitors on their panels: a borrower could find 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 Chelsea Building Society
We are purchasing a 3 bedroom semi in Seaview. The intention is to convert the garage to an office at the property.Will the conveyancing process involve checks to see if these alterations are permitted?
Your solicitor will review the registered title as conveyancing in Seaview will occasionally identify restrictions in the title documents which prevent certain works or necessitated the consent of a 3rd party. Certain extensions require local authority planning consent and approval under the building regulations. Certain areas are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. You should check these things with a surveyor before you commit yourself to a purchase.
When it comes to lenders such as Aldermore, do Seaview conveyancing practitioners face a fee to be on the list of approved solicitors?
We are not aware of any lender fees to register on their panel, although some do charge an administration charge to deal with the processing of the conveyancing panel submission.
I have instructed a Seaview conveyancing practitioner having made sure that they are on the Skipton conveyancing panel. Does my lawyer arrange the survey of the property?
Skipton will need an independent valuation of the property. Your lawyer will not arrange this. Usually Skipton will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Seaview postcode. As you are getting a mortgage with Skipton, you could contact them to see if they have a list of approved surveyors in Seaview.
We are buying a house and the conveyancer has mentioned Chancel Repair to which the property may be liable because it falls into the area of such a church. He has suggested insurance. Is this strictly appropriate for conveyancing in Seaview
Unless a prior acquisition of the premises completed after 12 October 2013 you can assume that lawyers carrying out conveyancing in Seaview to continue to advocate a chancel search and or insurance against a claim.
Yesterday I discovered that there is a flying freehold issue on a property I have offered on two weeks back in what was supposed to be a quick, chain free conveyancing. Seaview is the location of the property. Can you offer any opinion?
Flying freeholds in Seaview are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Seaview you would need to get your solicitor to go through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Seaview may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
In my capacity as executor for the estate of my father I am selling a residence in Monmouth but I am based in Seaview. My lawyer (based 235 kilometers from merequires that I execute a stat dec before completion. Can you recommend a conveyancing practitioner in Seaview to witness this legal document for me?
Technically speaking you are not likely to be required to have the documents witnessed by a conveyancing solicitor. Normally any notary public or qualified solicitor will suffice regardless of whether they are located in Seaview
There are only 72 years unexpired on my lease in Seaview. I need to extend my lease but my freeholder is absent. What options are available to me?
If you qualify, under the Leasehold Reform, Housing and Urban Development Act 1993 you can submit an application to the County Court for an order to dispense with the service of the initial notice. This will mean that your lease can be extended by the Court. You will be obliged to demonstrate that you have used your best endeavours to find the lessor. On the whole a specialist would be useful to carry out a search and prepare a report to be accepted by the court as evidence that the freeholder is indeed missing. It is advisable to get professional help from a conveyancer both on investigating the landlord’s disappearance and the vesting order request to the County Court covering Seaview.
Seaview Leasehold Conveyancing - Sample of Queries Prior to buying
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Are there any major works in the planning that will likely increase the service charges? The majority of Seaview leasehold apartments will have a service bill for maintenance of the building set on behalf of the management company. Where you purchase the property you will have to pay this contribution, normally periodically during the year. This may vary from two or three hundred pounds to thousands of pounds for bigger purpose-built blocks. There will also be a rentcharge to be met annual, ordinarily this is not a exorbitant figure, say around £25-£75 but you need to check as occasionally it could be many hundreds of pounds. Make sure you find out if there are any onerous restrictions in the lease. For instance it is fairly common in Seaview leases that pets are not allowed in in a block in Seaview. If you love the apartmentin Seaview however your dog is not allowed to live with you then you will be presented with a hard choice.