We are expecting a mortgage offer soon. The bank mentioned the loan came with free conveyancing. Does this mean I have to instruct their panel solicitor as I would much rather instruct a Snodland based conveyancing firm?
You should check but the chances are that give you one of their panel conveyancers should you take up the "fee-free" offer. Contact the lender and check if they allow a cash alternative. In the past a few mortgage companies offered a £250 cashback as a further option in which case you could put that amount towards your preferred conveyancing solicitor near Snodland.
I am purchasing a 3 bedroom semi in Snodland. We would like to carry out a loft conversion at the property.Will the conveyancing process include enquiries to determine if these alterations are permitted?
Your solicitor should check the deeds as conveyancing in Snodland can sometimes identify restrictions in the title deeds which restrict certain alterations or need the permission of a 3rd party. Certain works need local authority planning consent and approval in compliance with building regulations. Certain areas are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. You should check these things with a surveyor ahead of any purchase.
Is it the case that all Snodland solicitors on the Principality conveyancing panel are overseen by the Solicitors Regulatory Authority?
As solicitors, in order to be on the Principality conveyancing panel they would need to be regulated by the SRA. Some lenders do permit licenced conveyancers on their panel and in such a situation the practice would be governed by the CLC.
At last I have had an offer on a flat in Snodland agreed to, the owners do nevertheless have a tied purchase. The sellers have offered on a flat, however it’s not been accepted yet, and are looking at other flats booked. I have selected a local conveyancing solicitor in Snodland. What do I do now? At what stage do I apply for the mortgage with Aldermore?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then valuation, Snodland conveyancing search fees, etc). First, you should ensure that your conveyancing practitioner is on the Aldermore conveyancing panel. As to the subsequent phase this very much depends on the circumstances of your case, motivation for this property and on the state of the market. During a buoyant market some home buyers would apply for a home loan with Aldermore and arrange for the valuation and only if it comes back ok would they pay their solicitor to proceed with the conveyancing in Snodland.
What can a local search inform me regarding the house we're purchasing in Snodland?
Snodland conveyancing often starts with the submitting local authority searches directly from your local Authority or through a personal search organisations such as Xpress Legal The local search plays an important part in many a Snodland conveyancing purchase; that is if you wish to avoid any unpleasant surprises after you move into your property. The search should provide information on, amongst other things, details on planning applications relevant to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen subject areas.
Yesterday I discovered 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 simple, no chain conveyancing. Snodland is the location of the property. Can you shed any light on this issue?
Flying freeholds in Snodland are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Snodland you must be sure that your lawyer goes through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Snodland may determine 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 property.
In my capacity as executor for the will of my grandmother I am selling a house in Cardiff but reside in Snodland. My conveyancer (approximately 300 miles from mehas requested that I sign a stat dec prior to completion. Could you suggest a conveyancing lawyer in Snodland who can witness this legal document for me?
Technically speaking you are unlikely to be required to have the documents attested by a conveyancing solicitor. Ordinarily or notary public or solicitor will be fine regardless of whether they are located in Snodland