I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Ruislip Gardens. My lender is Nationwide Building Society
Nationwide Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 17/12/2024, the requirements read as follows :
How can we tell if a Ruislip Gardens conveyancing solicitor on the UBS panel is any good?
When it comes to conveyancing in Ruislip Gardens seeking recommendations is a good start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one advertising the lowest fees. We would always recommend that you speak with the lawyer handling your conveyancing.
I currently have a mortgage with TSB for my property in Ruislip Gardens. Conveyancing has been completed some time ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform TSB?
TSB must be informed of your intention before letting out your property as this is likely to be a breach of TSB’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact TSB directly. It should not be necessary to do this via a TSB conveyancing panel solicitor.
Planning on purchasing a apartment in Ruislip Gardens. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the UBS conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Ruislip Gardens lawyer is on the UBS conveyancing panel.
Have completed on a a semi-detached house in Ruislip Gardens , What is the estimated time for the Land Registry to deal with the formalities evidencing my title? My Ruislip Gardens conveyancing solicitor works at snail pace, so I want to be certain that my name is registered.
As far as conveyancing in Ruislip Gardens is concerned, registration is no faster or slower than the rest of the country. As opposed to being determined by geographic area, timeframes can differ according to who lodges the application, whether there are errors and if the Land registry must send notices to any 3rd persons or bodies. At present in the region of 80% of submission are fully addressed in less than three weeks but occasionally there can be extensive hold-ups. Registration occurs after the new owner has moved in to the property therefore registration formalities is not typically top priority but if it is urgent that the the registration takes place urgently then you or your conveyancer must communicate with the Registry to express the reasoning for the application to be prioritised.
Due to the guidance of my in-laws I had a survey completed on a house in Ruislip Gardens ahead of retaining conveyancers. I have been informed that there is a flying freehold overhang to the house. The surveyor advised that some banks will not issue a loan on such a home.
It depends who your proposed lender is. HSBC has different instructions for example to Halifax. Should you wish to telephone us we can investigate further with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Ruislip Gardens. Conveyancing will be smoother if you use a solicitor in Ruislip Gardens especially if they are acquainted with such properties in Ruislip Gardens.
I have been sourcing a conveyancing practitioner in Ruislip Gardens for my house move. Can I review a solicitor's complaints history with the legal regulator?
Members of the public may search for published Solicitor Regulator Association (SRA) decisions arising from investigations from 2008 onwards. Visit Check a solicitor's record. To find 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 non-uk callers, dial +44 (0)121 329 6800. The SRA may recorded telephone calls for training purposes.