We decided to go with a local lawyer for my conveyancing in Stow on the Wold today. Reviewing the Terms I seewe are on the hook for fees even if the sale aborts. Would I be best advised to instruct an internet conveyancing brokerage promising no-sale-no-fee conveyancing in Stow on the Wold?
Generally there is a concession along the lines that if "No Sale No Fee" is offered then the fee levels will generally be uplifted to cover those conveyances that fail to complete. Dont forget that such promotions rarely protect you from outlay by way of example Stow on the Wold conveyancing search expenses.
I have been referred to a conveyancing solicitor in Stow on the Wold. I need to find out whether they are on the Virgin Money approved list of lawyers. Could you assist?
You should phone your conveyancer and ask them if they are on the lender panel. Otherwise you should call Virgin Money who may be able to confirm.
We are getting a further advance on our mortgage from Skipton as we intend to conduct renovations to our property in Stow on the Wold. Do we need to choose a bricks and mortar Stow on the Wold solicitor on the Skipton conveyancing panel to handle the paperwork?
Skipton would not normally appoint firms on their approved list of lawyers to handle the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Skipton conveyancing panel.
Completion of my purchase has taken place for my property in Stow on the Wold. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
All lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Department at head office. Ordinarily complaints to a lender are sorted out very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
I am due to exchange contracts on my apartment. I had a double glazing fitted in July 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Nationwide are being problematic. The Stow on the Wold solicitor who is on the Nationwide conveyancing panel is saying indemnity insurance will be fine but Nationwide are insisting on a building regulation certificate. Why do Nationwide have a conveyancing panel if they don't accept advice from them?
It is probably the case that Nationwide have referred the matter to their valuer. The reason why Nationwide 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.
Are there restrictive covenants that are commonly picked up during conveyancing in Stow on the Wold?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Stow on the Wold. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I decided to have a survey completed on a property in Stow on the Wold ahead of appointing solicitors. I have been informed that there is a flying freehold overhang to the property. My surveyor has said that some banks may refuse to give a mortgage on a flying freehold premises.
It varies from the lender to lender. Santander has different requirements for example to Halifax. Should you wish to telephone us we can check via the relevant bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Stow on the Wold. Conveyancing will be smoother if you use a solicitor in Stow on the Wold especially if they are acquainted with such properties in Stow on the Wold.
Should I be suspicious that third parties that I am dealing with are recommending a national conveyancing firm rather than a High Street Stow on the Wold conveyancing firm?
As is the case with lots of service providers, often suggestions from family and friends can be extremely useful or valuable. Yet there are many people with a vested interest in a conveyancing deal; estate agents, financial adviser and banks may recommend lawyers to use. On occasion the conveyancers might be known to one of the organisations as being good in their field, but occasionally there is an underlying financial incentive behind the endorsement. You have the right to select your preferred lawyer. Don't forget that most banks specify a panel list of lawyers you must use for the lender related work in your home move.