I am helping my sister sell her flat in Whiteley. Will the solicitor arrange an energy performance certificate or it is for the owner to coordinate?
After the abolition of HIPs, energy assessments became a required element of selling a house. An energy assessment needs to be commissioned before the property is advertised. This is not as aspect of the sale process that solicitors normally organise. Where you are instructing a Whiteley conveyancing practitioner they might be willing to arrange energy performance certificates due to their relationships with long established local providers
I am currently in the process of buying my council flat in Whiteley. I have a mortgage offer with Nottingham. Conveyancing is new to me. 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 Nottingham, you will need to appoint a solicitor on the Nottingham conveyancing panel.
The formalities of my remortgage has taken place for my property in Whiteley. Conveyancing was of an acceptable standard but I would like to complain about the lender. How do I make a complaint?
Almost all banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Department at head office. Ordinarily complaints to a lender are sorted out very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
My friend advised me that if I am buying in Whiteley I should ask my conveyancer to execute a Neighbourhood, Planning and Local Amenity Search. What does it cover?
A search of this type is occasionally quoted for as part of the standard Whiteley conveyancing searches. It is not a small report of about 40 pages, listing and detailing significant information about Whiteley around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Whiteley Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Local Education with plans and statistics, Local Amenities and other useful information about Whiteley.
I used Arc property Solicitors a few years past for my conveyancing in Whiteley. Now, I need the files but the law firm is no longer operating. What do I do?
You should contact the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Whiteley of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I am purchasing my first flat in Whiteley with a mortgage from Aldermore. The builders refused to move on the amount so I negotiated five thousand pounds worth of extras instead. The property agent suggested that I not disclose to my conveyancer about the extras as it would impact my mortgage with the bank. Do I keep my lawyer in the dark?.
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.
Over the last few months I have been searching for a leasehold apartment up to £245,000 and found one round the corner in Whiteley I like with open areas and transport links nearby, however it's only got 49 remaining years left on the lease. I can't really find anything else in Whiteley suitable, so just wondered if I would be making a grave error acquiring a short lease?
If you need a mortgage the shortness of the lease may be problematic. Reduce the price by the amount the lease extension will cost if it has not already been discounted. If the existing owner has owned the property for a minimum of 2 years you may request that they start the process of the extension and pass it to you. An additional ninety years can be extended on to the existing lease term with a zero ground rent applied. You should speak to your conveyancing solicitor about this matter.
I am a fortnight into a residential purchase having been recommend to a firm by the selling agent to execute conveyancing in Whiteley. I am am starting to be frustrated with the level of service. Could you you assist me in finding new lawyers?
A conveyancer would need to be very bad in order to consider replacing them. Has the loan offer been issued? If so you must advise them of the new contact details and have the mortgage documents are re-issued. The solicitor ideally should be on the lenders approved list to avoid escalating charges and delays. That should be your starting point. The find a solicitor tool should help you find a bank approved conveyancer for your home move in Whiteley