Me and my partner are about to complete buying a house in Goddington but as a consequence of damage from the recent storms I have managed to agree compensation from the current proprietors in the sum of £2k taking the form of a adjustment in the price. This was going to be dealt with as part of the conveyancing process however HSBC will not agree to this. Should they have been informed?
Any conveyancing practitioner that is on the HSBC conveyancing panel is obliged to inform HSBC of any changes to the purchase price. If you were to refuse your conveyancer to notify the price change to HSBC then they would have to discontinue acting for you. In addition, HSBC and you would have to appoint a new conveyancing practitioner for your conveyancing in Goddington.
I am helping my aunt sell her house in Goddington. Will the solicitor arrange an energy performance certificate or do I organise this?
Following the demise of Home Information Packs, energy assessments was maintained a mandatory element of moving house. An energy assessment should be commissioned before the property is marketed. This is not a task that lawyers normally arrange. If you are using a Goddington conveyancing practitioner they might be able to arrange energy performance certificates given their relationships with long established Goddington energy assessors
I am due to exchange contracts on my apartment. I had a double glazing fitted in August 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Aldermore are being problematic. The Goddington solicitor who is on the Aldermore conveyancing panel is recommending indemnity insurance as a solution but Aldermore are insisting on a building regulation certificate. Why do Aldermore have a conveyancing panel if they don't accept advice from them?
It is probably the case that Aldermore have referred the matter to their valuer. The reason why Aldermore may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
Kent Reliance have agreed my mortgage in principle, my bid on a flat in Goddington has been accepted, what happens next?
The estate agent will need to know who your solicitors are (ensure that the solicitors are on the lender’s panel). Telephone Kent Reliance or your financial adviser and complete any appropriate forms. Kent Reliance will instruct a valuer who will get in touch with the estate agent or vendor to schedule an appointment. Once conducted (assuming no problems) it takes about a week for the mortgage offer to be issued. Kent Reliance will issue the offer to you and your property lawyers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Goddington.
I have a 4 bedroom Edwardian house in Goddington. Conveyancing lawyer represented me and Barnsley Building Society. I did a free Land Registry search last week and there are a couple of entries: one for freehold, another for leasehold with the exact same property. If a house is not a freehold shouldn't I have been informed?
You should review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Goddington and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the position with the conveyancing lawyer who conducted the conveyancing.
I have been on the look out for a ground for flat up to £195,000 and identified one near me in Goddington I like with a park and railway links in the vicinity, however it's only got 51 years on the lease. There is not much else in Goddington in this price bracket, so just wondered if I would be making a mistake purchasing a short lease?
If you require a home loan the shortness of the lease may be problematic. Discount the price by the expected lease extension will cost if it has not already been discounted. If the existing owner has owned the property for at least 2 years you may ask them to start the process of the extension and then assign it to you. An additional ninety years can be extended on to the existing lease term with a zero ground rent applied. You should speak to your conveyancing solicitor concerning this.
Are there any apps to assist me to locate a Goddington law firm on the Accord Mortgages Ltd conveyancing panel? I am a keen cyclist and am prepared to travel upto 20kilometers to meet the conveyancer.
You can use the search on this website. Please pick a lender and your location and you will see a number of Goddington conveyancing lawyers locally. We have detailed some Goddington conveyancing firms towards the end of this page and you can call them to check whether they are on the Accord Mortgages Ltd approved list