Can I use your services to locate a Conveyancing solicitor in Virginia Water even where I’m not purchasing or selling a house, for example where I want to acquire a shop in Virginia Water with a loan from Bank of Ireland?
The service is predominantly there to select residential conveyancing solicitors in Virginia Water but we have listed towards the bottom of this page a few Virginia Water commercial conveyancing firms. You should enquire with the company directly to establish if they are also authorised to represent Bank of Ireland
We have agreed to purchase a house in Virginia Water. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Clydesdale be concerned?
As your lender is Clydesdale your lawyer must follow the conveyancing instructions outlined in Section 2 of UK Finance Lenders’ Handbook for Clydesdale. The CML Handbook includes minimum requirements for solar panel roof-space leases, and solicitors are required to report to Clydesdale where a lease does not meet these requirements. The provisions relate to the installation of panels on properties countrywide and is not restricted to Virginia Water.
It is unclear whether my bank obliges me to make sure the lease term for the flat is extended prior to the completion date. I have telephoned my Virginia Water building society branch on a couple of occasions and was told it does not affect the mortgage offer and they would lend. My Virginia Water conveyancing solicitor - who is on the bank conveyancing panel- called to say that they will not lend in accordance with their UK Finance Lenders’ Handbook minimum lease term requirements. I have no idea who is right.
Provided that the conveyancing practitioner is on the mortgage company approved list, they must adhere to the CML Handbook requirements for the lender. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.
After much negotiation I have agreed a price on a house in Virginia Water. My mortgage broker suggested a solicitor. I paid an on account payment of £225. Not long after, the property lawyer called me embarrassingly acknowledging that they were not on the Yorkshire BS conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Yorkshire BS panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I am close to exchanging contracts on the sale of our home in Virginia Water and according to the buyers it appears that there is a risk of it being built land that was not decontaminated. Any high street Virginia Water conveyancer would know this is not the case. It does beg the question why the purchasers instructed a national conveyancing outfit as opposed to a conveyancing solicitor in Virginia Water. We have lived in Virginia Water for 5 years we know that this is a non issue. Should we contact our local Authority to get clarification need.
It would appear that you have a conveyancing firm already. What do they say? You must check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same sickness)
I own a semi-detached Georgian house in Virginia Water. Conveyancing practitioner acted for me and Accord Mortgages Ltd. I did a free Land Registry search last week and there are two entries: the first freehold, another for leasehold under the exact same property. Is it worth asking Accord Mortgages Ltd to clarify?
You need to review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Virginia Water and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with purchasers. You can also check the situation with your conveyancing practitioner who conducted the purchase.
I'm buying a new build house in Virginia Water with a mortgage from Lloyds TSB Bank. The builders would not reduce the amount so I negotiated £7000 of extras instead. The estate agent told me not reveal to my conveyancer about the extras as it would jeopardize my mortgage with Lloyds TSB Bank. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the developer 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 brother is purchasing a basement flat in Virginia Water. He was given a quote by the conveyancing practitioner connected to the estate agents totaling £1156 . It was 9 years ago I sold and bought a property and it cost was £440. Have fees really increased to that extent?
What does the conveyancing estimate include? Is it just for the legal fees, or what you will be paying in total (for example Virginia Water searches, land registry fees, etc)