Our mortgage company has recommended solicitors on their panel based in Nottinghamshire but I would rather use a conveyancing lawyer in Nottinghamshire round the corner to me. Can you help?
It is by no means the case that all Nottinghamshire conveyancing practices are approved and listed on all lender’s conveyancing panel. Use our find an approved solicitor tool to identify a Nottinghamshire conveyancing conveyancer on the on the mortgage company panel.
We previously selected conveyancing lawyers locally in Nottinghamshire on the Aldermore solicitor panel. They are now charging me an additional amount for handling the Aldermore mortgage. Is this a supplemental conveyancing fee specified by Aldermore?
As unfair as it may seem, as long as it’s in their Terms and Conditions or estimate then yes your solicitor is entitled to charge a fee for this. This charge is not set by Aldermore but by your Nottinghamshire lawyer. Plenty of firms on the Aldermore panel will levy ’dealing with mortgage’ fee but some practices include it on their overall fee.
I can not fathom if my bank obliges me to make sure the lease term for the flat is extended prior to the completion date. I have telephoned my Nottinghamshire building society branch on various occasions and was told they are content with the situation and they would lend. My Nottinghamshire conveyancing solicitor - who is on the bank conveyancing panel- telephoned to say that they will not lend in accordance with their specific requirements. Who do I believe?
Provided that the conveyancing practitioner is on the bank approved list, she or he must follow the CML Handbook conditions for the lender. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
I have instructed a Nottinghamshire conveyancer having checked that they are on the Yorkshire BS conveyancing panel. Does my lawyer arrange the survey of the property?
Yorkshire BS will need an independent valuation of the property. Your lawyer will not arrange this. Usually Yorkshire BS will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Nottinghamshire surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
A friend recommended that if I am buying in Nottinghamshire 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 Nottinghamshire conveyancing searches. It is not a small document of about 40 pages, listing and setting out important information about Nottinghamshire around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Nottinghamshire Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Nottinghamshire Education with maps and statistics, Local Amenities and other useful data regarding Nottinghamshire.
Due to the advice of my in-laws I had a survey completed on a property in Nottinghamshire in advance of instructing lawyers. I have been told that there is a flying freehold overhang to the property. My surveyor advised that some mortgage companies will not give a mortgage on this type of premises.
It depends who your proposed lender is. HSBC has different requirements from Halifax. Should you wish to telephone us we can check via the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Nottinghamshire. Conveyancing will be smoother if you use a solicitor in Nottinghamshire especially if they are accustomed to such properties in Nottinghamshire.
I am thinking of appointing a conveyancing practitioner in Nottinghamshire for my sale. Can I see a firm’s complaints history with the profession’s regulator?
You can see documented Solicitor Regulator Association (SRA) determinations resulting from inquisitions started on or after 1 January 2008. Visit Check a solicitor's record. For information Pre 2008, or to check a firm's history, phone 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For callers outside the UK, use +44 (0)121 329 6800. The regulator may monitor telephone calls for training requirements.