We are selling our apartment in Melton Constable. Does the conveyancing practitioner need to be on the Clydesdale conveyancing panel in order to deal with the discharge of my mortgage?
Ordinarily, even if your lawyer is not on the Clydesdale conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their specifications fairly frequently currently.
My wife and I have arranged the release of further monies on our home loan from Coventry BS as we wish to carry out a loft conversion to our home in Melton Constable. Are we obliged to appoint a high street Melton Constable solicitor on the Coventry BS conveyancing panel to handle the paperwork?
Coventry BS do not ordinarily appoint a member of their conveyancing panel to handle the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Coventry BS list.
I had a mortgage agreed in principle with HSBC. Melton Constable conveyancing lawyers were chosen. What is the average time that one could expect to receive a mortgage offer from HSBC?
Some lenders take longer than others. Have HSBC completed the valuation? Have you informed HSBC as to your lawyers' details and checked that your lawyers are on the HSBC conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
I recently had an offer agreed on a house in Melton Constable. My financial adviser recommended their conveyancers. I paid an on account payment of £200. A few days later, the conveyancer contacted me to say that they were not on the Kent Reliance 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 Kent Reliance 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.
My relative advised me that if I am buying in Melton Constable I should ask my conveyancer to perform a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is occasionally quoted for as part of the standard Melton Constable conveyancing searches. It is not a small report of about 40 pages, listing and detailing significant information about Melton Constable around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Melton Constable Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Local Education with plans and statistics, Local Amenities and other useful data concerning Melton Constable.
Are there restrictive covenants that are commonly picked up during conveyancing in Melton Constable?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Melton Constable. 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've recently found out that there is a flying freehold issue on a property I put an offer in a fortnight ago in what was supposed to be a straight forward, chain free conveyancing. Melton Constable is the location of the property. What do you suggest?
Flying freeholds in Melton Constable are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Melton Constable you must be sure that your lawyer goes through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Melton Constable may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.