Do the Building Society Association intend to launch a online directory to to identify solicitors on the Norwich and Peterborough Building Society conveyancing panel for instance in Skipton?
We are not aware of any intention on the part of the BSA to promote such a tool.
What can a local search reveal regarding the house I am buying in Skipton?
Skipton conveyancing often commences with the submitting local authority searches directly from your local Authority or through a personal search company for example Onsearch The local search is essential in every Skipton conveyancing purchase; that is if you wish to avoid any unpleasant surprises after you move into your new home. The search should reveal data on, amongst other things, details on planning applications applicable 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 13 subject areas.
I'm purchasing a new build house in Skipton with a mortgage from Virgin Money. The sellers refused to reduce the amount so I negotiated five thousand pounds worth of fixtures and fittings instead. The property agent suggested that I not reveal to my conveyancer about this deal as it will adversely affect my loan with Virgin Money. Is this normal?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I decided to have a survey done on a house in Skipton ahead of retaining solicitors. I have been told that there is a flying freehold aspect to the house. Our surveyor has said that some mortgage companies tend not give a mortgage on this type of house.
It varies from the lender to lender. HSBC has different instructions from Halifax. Should you wish to call us we can investigate further with the appropriate lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Skipton. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Skipton to see if the conveyancing costs will increase in light of this.
Living abroad it is not practicable to visit my Skipton conveyancing lawyers office to sign documents connected to my conveyancing in Skipton – will this be an issue?
No. Skipton conveyancing solicitors can handle home moves for clients from a distance. You are unlikely to be required to visit a Skipton conveyancers office. They can handle all communications remotely from their Skipton office.