I have just been advised by my financial adviser that my Ashington solicitor is not on the lender Conveyancing panel. How can I be sure if this is correct?
Your first step should be to call your Ashington lawyer directly. You lawyer should inform you what has happened. If they are not on the panel they could put your in touch with solicitors on the approved list of lawyers for your lender.
Having sold my house in Ashington last June but our buyer keeps whats apping every few hours to say his solicitor is waiting to hear from mine. What are the post completion sale legalities following completion?
Following your disposal your solicitor should deliver the transfer deeds and all supplemental paperwork to the purchaser's lawyers. Where appropriate, your solicitor should also send confirmation that the home loan has been discharged to the buyers lawyers. There is unlikely to be post completion formalities just for conveyancing in Ashington.
Last month we had a mortgage agreed in principle with Skipton. Ashington conveyancing solicitors were appointed. What is the average time that one could expect to receive a mortgage offer from Skipton?
There is no definitive answer here. Have Skipton done the valuation? Have you informed Skipton as to your lawyers' details and checked that your lawyers are on the Skipton conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
It is not clear whether my bank obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called into my local Ashington bank branch on numerous occasions and was reassured it wasn't a problem and they will lend. My Ashington conveyancing solicitor - who is on the lender conveyancing panel- called and was told they refuse to lend based on their specific requirements. I have no idea who is right.
Your solicitor must follow the CML Handbook section two conditions for your lender. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years remaining.
About to purchase flat in Ashington. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Virgin Money conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Ashington lawyer is on the Virgin Money conveyancing panel.
The deeds to our house can not be found. The lawyers who conducted the conveyancing in Ashington 4 years ago have long since closed. Will I be able to sell the house?
Assuming you have a registered title the information relating to your ownership will be held by the Land Registry under a Title Number. It is possible to conduct a search at the Land Registry, locate your house and get current copies of the property title for less than a fiver. Where the title is Leasehold then the Land Registry will usually hold a file copy of the Registered Lease and again, a copy can be retrieved for £20 inclusive of VAT.
Given that I am about to part with £400,000 on a property in Ashington I would like to talk to a conveyancer concerning thetransaction in advance of instructing the firm. Is this something that you can arrange?
Absolutely - it is our preference to talk to you we do not take any clients on without you first talking to the conveyancer due to be carrying out your property ownership legalities in Ashington.There is no ‘factory style conveyancing’ - each client is an important individual, not a file number. The law firms that we put you in touch with believe that the fees you are quoted for residential conveyancing in Ashington should be the amount on the final invoice that you are charged.
Do online conveyancing organisations do everything a local Ashington solicitor does or do I still need to retain a solicitor for the final stages for my conveyancing in Ashington?
If you choose an online conveyancer they will undertake all the things your Ashington conveyancer would cover.