I am purchasing a property without a mortgage in Shooter's Hill. I have been living for the previous Seventeen years in Shooter's Hill. Conveyancing searches are expensive. As I have knowledge of the area and road very well must I have all the conveyancing searches?
Provided that you do not need a mortgage, then almost all of the Shooter's Hill conveyancing searches are optional. Your conveyancer will try and sway you, perhaps strongly, that you should have searches carried out, but he is duty bound to take that path of guidance. Do bear in mind; if you are going to dispose of the house at a future date, it may be of relevance to your prospective buyer what the searches reveal. On occasion properties with no practical issues can still reveal adverse search results. A good conveyancing solicitor in Shooter's Hill will provide you some practical advice in this regard.
We previously chose solicitors locally in Shooter's Hill on the Aldermore solicitor approved list. They have just invoiced me an additional sum for dealing with the Aldermore mortgage. Is this a supplemental conveyancing fee set by Aldermore?
Provided it is contained in their Terms of Engagement or estimate then yes your conveyancer can charge a fee for this. The charge is not set by Aldermore but by your Shooter's Hill property lawyer. Some firms on the Aldermore panel will charge ’dealing with mortgage’ fee but many firms include it on their overall fee.
The formalities of my remortgage has taken place for my property in Shooter's Hill. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
Most lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are sorted out very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
I had an offer accepted on an apartment in Shooter's Hill on 30/6/2025, valuation was booked five days after, received a clean bill of health. Solicitor instructed, so all that was missing was my mortgage offer. Having made daily calls to Yorkshire BS and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Yorkshire BS conveyancing panel. Are Yorkshire BS entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Yorkshire BS to deal with your lawyer's application to be on the Yorkshire BS conveyancing panel. There's no guarantee that your solicitor will be accepted.
Are there restrictive covenants that are commonly identified as part of conveyancing in Shooter's Hill?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Shooter's Hill. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I am buying a new build house in Shooter's Hill with a loan from Birmingham Midshires. The builders refused to reduce the amount so I negotiated 6k of additionals instead. The estate agent advised me not to tell my lawyer about this deal as it could put at risk my loan with the lender. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder 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.
My uncle has recommend that I use his lawyers for conveyancing in Shooter's Hill. Should I find my own solicitor?
Much as we are happy to recommend a Shooter's Hill conveyancing lawyer the ideal way to find a conveyancing solicitor is to have recommendations from friends or family who have actually used the conveyancer you're contemplating using.
Last March I purchased a leasehold house in Shooter's Hill. Do I have any liability for service charges for periods before completion of my purchase?
Where the service charge has already been demanded from the previous lessee and they have not paid you would not usually be personally liable for the arrears. Strange as it may seem, your landlord may still be able to take action to forfeit the lease. A critical element of leasehold conveyancing for your conveyancer to ensure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.
If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).
After months of dialogue we cannot agree with our landlord on how much the lease extension should cost for our flat in Shooter's Hill. Can we issue an application to the Residential Property Tribunal Service?
Absolutely. We can put you in touch with a Shooter's Hill conveyancing firm who can help.
An example of a Lease Extension decision for a Shooter's Hill residence is 103a Footscray Road in January 2014. The tribunal determines that the premium payable for the extended lease should be £34,500 according to the expert witness valuation calculation This case was in relation to 1 flat.