We are looking to buy a flat and require a conveyancing solicitor in Selsdon who is on the Bank of Ireland solicitor panel. Can you recommend a local solicitor?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Bank of Ireland . We don't recommend any particular firms conducting conveyancing in Selsdon.
We have agreed to purchase a house in Selsdon. An unusual aspect is that the roof has a solar panel. Bank of Ireland have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As your lender is Bank of Ireland your lawyer must follow the conveyancing requirements set out in Part two of UK Finance Lenders’ Handbook for Bank of Ireland. The CML Handbook includes minimum provisions for solar panel roof-space leases, and property lawyers are required to report to Bank of Ireland where a lease does not comply with these provisions. The provisions relate to the installation of panels on properties in England and Wales and is not isolated to Selsdon.
Completion of my remortgage has taken place for my property in Selsdon. Conveyancing was satisfactory but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?
Most lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services 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.
My offer was accepted on a house in Selsdon on 19/9/2024, valuation was booked 3 days later, received a clean bill of health. Property lawyer instructed, so all that was missing was my mortgage offer. Having made daily calls to Nottingham and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Nottingham conveyancing panel. Can the lender hold off the offer?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Nottingham to deal with your lawyer's application to be on the Nottingham conveyancing panel. There's no guarantee that your solicitor will be accepted.
I decided to have a survey done on a property in Selsdon prior to retaining conveyancers. I have been told that there is a flying freehold element to the property. The surveyor has said that some lenders will not grant a mortgage on such a property.
It depends who your proposed lender is. Lloyds has different instructions for example to Halifax. If you contact us we can check with the relevant lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Selsdon. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Selsdon to see if the conveyancing will be more expensive.
There are only 68 years unexpired on my flat in Selsdon. I am keen to get lease extension but my freeholder is can not be found. What are my options?
On the basis that you qualify, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the County Court for an order to dispense with the service of the initial notice. This will mean that your lease can be granted an extra 90 years by the magistrate. You will be obliged to prove that you have used your best endeavours to find the landlord. On the whole an enquiry agent would be useful to carry out a search and to produce a report to be used as evidence that the freeholder can not be located. It is wise to seek advice from a solicitor in relation to proving the landlord’s disappearance and the application to the County Court overseeing Selsdon.
I have tried to negotiate informally with with my landlord for a lease extension without success. Can a leaseholder apply to the Leasehold Valuation Tribunal? Can you recommend a Selsdon conveyancing firm to assist?
Where there is a missing landlord or if there is disagreement about what the lease extension should cost, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the First-tier Tribunal (Property Chamber) to decide the premium.
An example of a Freehold Enfranchisement case for a Selsdon flat is The Woodlands 95 Purley Park Road in April 2009. The Tribunals own valuation produced the figure of £37,912. This case was in relation to 6 flats. The remaining number of years on the lease was 78.32 years.
My aim is to purchase a ground floor maisonette in Selsdon. Conveyancing lawyer has been awaiting, from the seller, building insurance documents. I was told today I was advised that the seller must forward the insurance schedule for the flat above as well. Why does my property lawyer want to check the insurance for the other flat? Is it strictly necessary? We have been stalled for the previous fortnight…
It is not unheard of in leasehold conveyancing in Selsdon to find Conveyancing in Selsdon in a minority of cases reveals that the lease provides for the tenant's to insure their individual flats as opposed to the landlord insuring the whole premises - which is definitely better. You should check with your solicitor but it would seem that your conveyancing practitioner is seeking to verify that the whole building is insured. Insuring a ground floor residence is no help when it comes to rebuilding after a fire if the other flat cannot be reinstated due to lack of insurance cover.