Me and my partner are acquiring a maisonette in Bilborough. My property lawyer is not listed on the bank conveyancing list. Is it possible for me to appoint my Bilborough conveyancing solicitor even though they are excluded from the lender panel?
You have a couple of options available to you here
- Carry on with your chosen Bilborough conveyancing practitioner but your bank will no doubt use a conveyancing practitioner from their approved list. This will result in additional charges and potential interruption.
- Choose a fresh solicitor to act in the purchase, ensuring that they are on the lender conveyancing panel.
- Convince your property lawyer to do everything within their powers to join the lender’s panel of solicitors
I am buying a property for cash in Bilborough. I have resided for the previous Seventeen years in Bilborough. Conveyancing searches are exorbitant. Given that I have knowledge of the area and road very well should I not bother getting the solicitor to do all the conveyancing searches?
Provided that you do not need a mortgage, then the vast majority of the Bilborough conveyancing searches are optional. Your solicitor will ’encourage you, perhaps strongly, that you should have searches done, but she is duty bound to do this. One thing to consider; if you are intend to dispose of the house one day, it may be of relevance to your prospective purchaser what the searches reveal. There are plenty of instances where premises with apparent issues can still reveal adverse search results. A good conveyancing solicitor in Bilborough should be able to give you some practical advice in this regard.
Having sold my house in Bilborough last June yet the purchaser is texting every few hours to say their conveyancer is waiting to hear from mine. What are the post completion sale legalities now that I have sold?
Following your disposal your lawyer is committed to deliver the transfer documentation and all additional paperwork to the purchaser's solicitors. If applicable, your conveyancer should also confirm that the mortgage has been discharged to the purchasers solicitors. There is unlikely to be post completion procedures just for conveyancing in Bilborough.
I am assisting my niece sell her flat in Bilborough. Does the conveyancing solicitor arrange an energy assessment or it is for the owner to coordinate?
Following the demise of Home Packs, energy assessments was left as a required element of moving house. An energy assessment should be to hand prior to the property being put on the market. This is not as aspect of the sale process that conveyancers ordinarily arrange. Where you are instructing a Bilborough conveyancing lawyer they may be able to arrange energy assessments given their contacts with long established Bilborough providers
We previously appointed conveyancers with offices in Bilborough on the Santander solicitor panel. They have just billed me a separate sum for handling the Santander mortgage. Is this an additional conveyancing fee set by Santander?
Provided it is contained in their Terms and Conditions or Quote then yes your property lawyer may levy a fee for this. This fee is not set by Santander but by your Bilborough lawyer. Plenty of firms on the Santander panel will quote an ‘acting for lender’ fee and others do not.
I have paid off my mortgage with Virgin Money. I assume I don't need a Bilborough conveyancing practitioner on the Virgin Money panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Virgin Money mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Virgin Money mortgage from the register. Virgin Money, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Virgin Money has sent the Land Registry the discharge electronically, and
- Virgin Money has instructed the Land Registry to do so
I've recently found out that there is a flying freehold element on a property I put an offer in last month in what should have been a simple, no chain conveyancing. Bilborough is the location of the property. Can you offer any assistance?
Flying freeholds in Bilborough are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Bilborough you must be sure that your lawyer goes through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Bilborough may decide 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 premises.
What type of property do your Bilborough conveyancing quotes apply to?
The quotes issued are only appropriate to standard domestic premises in England & Wales. If you have any different requirements for example industrial or agricultural land or commercial conveyancing in Bilborough do contact us to discuss your requirements .