As someone not used to the Bishops Waltham conveyancing process what is the number one tip you can impart for the ownership transfer in Bishops Waltham
You may not hear this from too many lawyers but conveyancing in Bishops Waltham or throughout Hampshire is often a confrontational experience. In other words, when it comes to conveyancing there exists lots of room for friction between you and other parties involved in the ownership transfer. For example, the vendor, estate agent and on occasion the lender. Appointing a lawyer for your conveyancing in Bishops Waltham an important selection as your conveyancer is your adviser, and is the ONE person in the transaction whose interest is to act in your best interests and to protect you.
Every so often a potential adversary may attempt to sway you that you should follow their advice. For example, the estate agent may claim to be assisting by claiming that your conveyancer is dragging his heels. Or your financial adviser may try to convince you to do something that is contrary to your solicitors advice. You should always trust your lawyer above all other parties in the home moving process.
Are the BSA planning on creating a online directory to list practices on the Melton Mowbray Building Society conveyancing panel for instance in Bishops Waltham?
We are not aware of any intention on the part of the BSA to promote such a search facility.
I have decided to exercise my right to buy my property in Bishops Waltham off the council. I have a mortgage offer with Yorkshire BS. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Yorkshire BS, you will need to appoint a solicitor on the Yorkshire BS conveyancing panel.
Completion of my remortgage has taken place for my property in Bishops Waltham. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?
Almost all banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. We understand that 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 have finally had an offer on a flat in Bishops Waltham accepted, but there is a chain. The sellers have offered on on an apartment, however it’s not yet agreed to, and have viewings of other flats booked. I have chosen a nearby conveyancing solicitor in Bishops Waltham. What should be my next step? When should I get the mortgage application with UBS going?
It is normal to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (home loan application is approx £1k, then survey, Bishops Waltham conveyancing search charges, etc). The first course of action is to ensure that your conveyancing practitioner is on the UBS approved list. As to the subsequent phase this very much depends on the circumstances of your transaction, motivation for the property and on the state of the market. During a buoyant market the majority of buyers would apply for the mortgage with UBS and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.
A friend suggested that if I am purchasing in Bishops Waltham I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
A search of this type is usually quoted for as part of the standard Bishops Waltham conveyancing searches. It is a large document of more than thirty pages, listing and detailing significant information about Bishops Waltham around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Bishops Waltham Education with maps and statistics, Local Amenities and other useful data regarding Bishops Waltham.
I used Wolstenholmes several years past for my conveyancing in Bishops Waltham. I now require my file but the law firm is no longer operating. What do I do?
Do call the Solicitors Regulatory Authority (SRA) to assist in tracing your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Bishops Waltham of the conveyancing firm of solicitors you previously hired, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I decided to have a survey carried out on a house in Bishops Waltham in advance of appointing solicitors. I have been informed that there is a flying freehold aspect to the house. My surveyor advised that some lenders may not give a mortgage on a flying freehold premises.
It depends who your proposed lender is. Santander has different instructions for example to Birmingham Midshires. If you call us we can look into this further via the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Bishops Waltham. Conveyancing may be slightly more expensive based on your lender's requirements.