My god-son is buying a new build apartment in Thames Ditton with a home loan from Nationwide. His lawyer has said that there is a delay in receiving the ‘Disclosure of Incentive Form’. What is this document - I have never come across this before?
The form is intended to provide information to the main parties engaged in the transaction. Therefore, it will be provided to your son’s lawyer who should be on the Nationwide conveyancing panel as a standard part of the process, and to the surveyor when requested. The developer will be required to start the process by downloading the form and completing it. The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Nationwide conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.
Our lender has recommended a law firm on their panel based in Thames Ditton but I would rather choose a conveyancing lawyer in Thames Ditton local to me. Can you assist?
Far from all Thames Ditton conveyancing practitioners are listed all lender’s conveyancing panel. Do make use of the above search tool to identify a Thames Ditton conveyancing conveyancer on the on the lender panel.
I had a mortgage agreed in principle with Santander. Thames Ditton conveyancing solicitors have been chosen. How long does it take for Santander to issue the offer to the conveyancer?
There is no definitive answer here. Have Santander completed the survey? Have you advised Santander as to your lawyers' details and checked that your lawyers are on the Santander conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
I am expecting a AIP from Principality this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Principality recommend any Thames Ditton solicitors on the Principality conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Thames Ditton solicitors independently although you'll need to choose one on the Principality conveyancing panel. The solicitor represents both you and Principality through the process.
I have paid off my mortgage with TSB. I assume I don't need a Thames Ditton solicitor on the TSB panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your TSB mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the TSB mortgage from the register. TSB, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where TSB has sent the Land Registry the discharge electronically, and
- TSB has instructed the Land Registry to do so
A relative advised me that if I am purchasing in Thames Ditton I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
A search of this type is occasionally included in the estimate for your Thames Ditton conveyancing searches. It is a large report of about 40 pages, listing and setting out important information about Thames Ditton around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Thames Ditton Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Local Education with plans and statistics, Local Amenities and other useful information concerning Thames Ditton.
Given that I am about to part with hundreds of thousands of pounds on a property in Thames Ditton I would like to talk to a solicitor about myhome move before instructing the firm. Can this be arranged?
Absolutely - it is our preference to talk to you we do not take any clients on without you liaising with the lawyer due to be conducting your property ownership legalities in Thames Ditton.There is no ‘factory style conveyancing’ - each client is unique individual, not a case reference. The solicitors that we put you in touch with believe that the fees you are provided with for residential conveyancing in Thames Ditton should be the amount on the final invoice that you are charged.
What can I do to find out who is the owner of a property in Thames Ditton?
As long as the premises is registered with the Land Registry, and you have requisite information of the address of the property, you should be able to obtain details from the the Land Registry of the recorded owner for a fee.