My property lawyer in Chipstead is not on the Platform Home Loans Ltd Approved Panel. Can I still use my family solicitor even though they are not on the Platform Home Loans Ltd approved list?
The limited options open to you here include:
- Complete the purchase with your existing Chipstead solicitors but Platform Home Loans Ltd will need to retain a lawyer on their panel. This will inevitably rack up the overall conveyancing charges as well as result in frustration.
- Choose a new practitioner to act in the purchase, obviously checking they are on the Platform Home Loans Ltd panel
I am purchasing a property in Chipstead. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Barclays be concerned?
As your lender is Barclays your lawyer must comply with the formal instructions set out in Section 2 of UK Finance Lenders’ Handbook for Barclays. The CML Handbook contains minimum provisions for solar panel roof-space leases, and property lawyers are required to report to Barclays where a lease fails to satisfy these specifications. The requirements relate to the installation of panels on properties nationwide and is not limited to Chipstead.
The formalities of my remortgage has taken place for my property in Chipstead. Conveyancing was satisfactory but I would like to complain about the lender. How does one go about formally complaining?
Almost all banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are resolved very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
I was told three weeks ago that my mortgage has been agreed to by Kent Reliance. Is it usual for Kent Reliance to only issue the offer once my solicitor in Chipstead is approved on their conveyancing panel? Kent Reliance have asked my solicitor to see a copy of their PI Insurance.
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Kent Reliance to deal with your lawyer's application to be on the Kent Reliance conveyancing panel. There's no guarantee that your solicitor will be accepted.
Will my lawyer be raising enquiries concerning flooding as part of the conveyancing in Chipstead.
The risk of flooding is if increasing concern for lawyers dealing with homes in Chipstead. There are those who buy a property in Chipstead, completely expectant that at some time, it may be flooded. However, leaving to one side the physical destruction, if a property is at risk of flooding, it may be difficult to get a mortgage, suitable insurance cover, or sell the premises. Steps can be carried out during the course of a house purchase to forewarn the buyer.
Lawyers are not qualified to offer advice on flood risk, however there are a number of checks that may be initiated by the buyer or on a buyer’s behalf which should figure out the risks in Chipstead. The conventional set of completed inquiry forms supplied to a purchaser’s solicitor (where the solicitors are adopting what is known as the Conveyancing Protocol) includes a standard question of the seller to determine if the property has historically flooded. If the residence has been flooded in past and is not revealed by the vendor, then a buyer could issue a claim for damages stemming from an incorrect reply. A buyer’s conveyancers should also conduct an enviro search. This should disclose if there is any known flood risk. If so, further inquiries should be carried out.
Is it possible to switch conveyancer as I have to select one who is on the Clydesdale conveyancing panel. I was using a high street conveyancing solicitor in Chipstead five minutes from me but the firm is not accepted by Clydesdale
It would be our pleasure to assist you select a conveyancing solicitor in Chipstead on the Clydesdale panel. Please note that the solicitors that we list do not pay us a referral fee if you instruct them and are regulated by the SRA who regulate all conveyancing solicitors in Chipstead. In utilising the find a conveyancing solicitor tool on this page, you can compare costs for conveyancing solicitors in Chipstead and throughout England and Wales.
When it comes to my conveyancing in Chipstead should I be paying VAT on the following: (1) Land reg fee on purchase (2) Pre - completion search fee (3) SDLT E submission on purchase (4) Bank TT fee
(1) Land reg fee on purchase - No (2) Pre - completion search fees -No, (such conveyancing searches are HMLR ones and means £4 and possibly £2 bankruptcy per name on your mortgage) (3) SDLT E submission on your purchase - There is no VAT on Stamp Duty. However if the firm is charging a stamp duty e-submission fee as part of their services - some Chipstead conveyancers do - that will incur VAT(4) Bank transfer fee - Yes it is for the lawyer's time in submitting the funds this way.