When it comes to mortgage companies such as Lloyds, do Hartlebury property lawyers face a fee to be on the list of approved solicitors?
We are not aware of any mortgage company fees to register on their panel, although some do levy an administration charge to deal with the processing of the conveyancing panel submission.
The formalities of my purchase has taken place for my property in Hartlebury. Conveyancing was of an acceptable standard but I would like to complain about the lender. How does one go about formally complaining?
Most lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Team at head office. Ordinarily complaints to a lender are sorted out very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
I am selling my apartment. I had a double glazing fitted in November 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, HSBC are being problematic. The Hartlebury solicitor who is on the HSBC conveyancing panel is saying indemnity insurance will be fine but HSBC are requiring a building regulation certificate. Why do HSBC have a conveyancing panel if they don't accept advice from them?
It is probably the case that HSBC have referred the matter to their valuer. The reason why HSBC may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
My wife and I have a terraced Georgian property in Hartlebury. Conveyancing lawyer acted for me and Bank of Ireland. I did a free Land Registry search last week and I saw a couple of entries: one for freehold, another for leasehold with the matching address. I'd like to know for sure, how can I find out??
You should review the Freehold register you have again and check the Charges Register as there may be 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 Hartlebury and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also question the situation with the conveyancing lawyer who completed the work.
I opted to have a survey done on a property in Hartlebury before appointing conveyancers. I have been told that there is a flying freehold element to the house. My surveyor advised that some banks tend not give a mortgage on a flying freehold premises.
It depends who your proposed lender is. Santander has different instructions from Halifax. Should you wish to call us we can investigate further with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Hartlebury. Conveyancing may be slightly more expensive based on your lender's requirements.
I need to appoint a conveyancing solicitor for remortgage conveyancing in Hartlebury. I happened to stumble upon a web site which seems to have the perfect offering If it is possible to get all formalities done via email that would be ideal. Do I need to be concerned? What are the potential pitfalls?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?
Our conveyancer has advised that he intends to complete and exchange simultaneously on the sale of our £375,000 apartment in Hartlebury on Tuesday in a week. The landlords agents has quoted £396 for Certificate of Compliance, building insurance schedule and previous years statements of service charge. Is the landlord entitled to charge exorbitant fees for a leasehold conveyance in Hartlebury?
Hartlebury conveyancing on leasehold flats ordinarily involves administration charges raised by landlords agents :
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Answering conveyancing due diligence questions
Where consent is required before sale in Hartlebury
Copies of the building insurance and schedule
Deeds of covenant upon sale
Registering of the assignment of the change of lessee after a sale
Hartlebury Conveyancing for Leasehold Flats - A selection of Queries before buying
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Make sure you discover if there are any onerous prohibitions in the lease. For instance it is fairly common in Hartlebury leases that pets are not permitted in in a block in Hartlebury. If you love the flatin Hartlebury however your dog can’t live with you then you will be faced hard decision. The prefered form of lease arrangement is if the freehold title is in the ownership of the leaseholders. In this situation the lessees enjoy being in charge if their destiny and notwithstanding that a managing agent is frequently employed where the building is bigger than a house conversion, the managing agent retained by the leaseholders. It would be prudent to find out as much as you can concerning the managing agents as they can either make your living at the property much easier or uncomfortable. As the proprietor of a leasehold property you are frequently at the mercy of the managing agents both financially and when it comes to every day matters such as the tidiness of the common parts. Enquire of prospective neighbours what they think of them. In conclusion, investigate as to the dates that the service fees are due to the appropriate party and precisely what you get for your money.