My brother-in-law has suggested I instruct a conveyancing solicitor in Warsash. I need to find out whether they are on the Godiva Mortgages Ltd conveyancing panel. Can you help?
The first thing you should do is e-mail your lawyer and enquire if they can act for the lender. Alternatively please call Godiva Mortgages Ltd who may be able to help.
I have decided to exercise my right to buy my property in Warsash off the council. I have a mortgage offer with Santander. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Santander, you will need to appoint a solicitor on the Santander conveyancing panel.
The formalities of my purchase has taken place for my property in Warsash. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
All 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. In most cases complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
I recently had an offer agreed on a house in Warsash. My mortgage broker suggested a conveyancing practitioner. I paid an on account payment of £175. A few days later, the conveyancer called me sheepishly admitting that they were not on the Leeds Building Society 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 Leeds Building Society 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.
Will our conveyancer be making enquiries regarding flooding during the conveyancing in Warsash.
Flooding is a growing risk for solicitors specialising in conveyancing in Warsash. Some people will buy a property in Warsash, completely aware that at some time, it may be flooded. However, leaving to one side the physical damage, if a house is at risk of flooding, it may be difficult to get a mortgage, satisfactory building insurance, or dispose of the property. There are steps that can be taken as part of the conveyancing process to forewarn the purchaser.
Solicitors are not qualified to impart advice on flood risk, however there are a numerous searches that may be undertaken by the buyer or by their lawyers which should figure out the risks in Warsash. The conventional set of completed inquiry forms given to a purchaser’s lawyer (where the Conveyancing Protocol is adopted) contains a usual question of the vendor to discover whether the property has suffered from flooding. If flooding has previously occurred which is not disclosed by the seller, then a buyer may bring a claim for damages resulting from an inaccurate answer. A buyer’s solicitors may also carry out an environmental report. This will reveal if there is a recorded flood risk. If so, further inquiries will need to be conducted.
Are there restrictive covenants that are commonly picked up as part of conveyancing in Warsash?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Warsash. 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 have been on the look out for a flat up to £245,000 and identified one near me in Warsash I like with a park and railway links in the vicinity, the downside is that it's only got 61 remaining years left on the lease. I can't really find anything else in Warsash suitable, so just wondered if I would be making a grave error acquiring a lease with such few years left?
Should you require a home loan that many years may be a potential deal breaker. Discount the offer by the amount the lease extension will cost if it has not already been discounted. If the current proprietor has owned the premises for a minimum of 2 years you may ask them to start the process of the extension and then assign it to you. An additional ninety years can be extended on to the existing lease and have £0 ground rent by law. You should speak to your conveyancing solicitor regarding this matter.
Taking into account that I will soon spend over three hundred thousand on 3 bedroom house in Warsash I would like to talk to a conveyancer regarding theconveyancing ahead of giving the go ahead to the firm. Can this be arranged?
We could not agree more - it is our preference to talk to you we do not take any clients on without you first talking to the solicitor due to be carrying out your property ownership legalities in Warsash.There is no ‘factory style conveyancing’ - each client is unique individual, not a matter reference. The solicitors that we put you in touch with believe that the figure you are provided with for residential conveyancing in Warsash should be the amount on the final invoice that you are charged.