My wife and I are refinancing our flat in Bloxham with RBS. We have a son 18 who lives with us. Our solicitor has asked us to disclose any adults other than ourselves who lives in the flat. Our lawyer has now e-mailed a document for our son to sign, giving up any rights in the event that the property is repossessed. I have two questions (1) Is this form unique to the RBS conveyancing panel as he never had to sign this form when we bought 3 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?
First, rest assured that your RBS conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to RBS. This is solely used to protect RBS if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of RBS had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
I am assisting my aunt sell her property in Bloxham. Does the solicitor arrange the EPC or it is for the seller to coordinate?
After the abolition of Home Packs, energy assessments was retained a required component of selling a house. An energy performance certificate should be commissioned before the property is marketed. This is not a task that solicitors ordinarily organise. Where you are instructing a Bloxham conveyancing solicitor they may be willing to arrange EPC’s given their relationships with reputable local accredited person
We were going to get a DIP from Aldermore this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Aldermore recommend any Bloxham solicitors on the Aldermore conveyancing panel, or is it better to go independently?
You will need to appoint Bloxham solicitors independently although you'll need to choose one on the Aldermore conveyancing panel. The solicitor represents both you and Aldermore through the process.
I recently had an offer accepted on an apartment in Bloxham. My financial adviser suggested a conveyancer. I paid an advanced payment of £150. Shortly after, the conveyancer called me embarrassingly acknowledging that they were not on the Aldermore conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Aldermore panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I used Action Conveyancing a few years ago for my conveyancing in Bloxham. I now require my file however the law firm has closed. What do I do?
You should contact the Solicitors Regulatory Authority (SRA) to assist in tracking down 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 Bloxham of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
How does conveyancing in Bloxham differ for newly converted properties?
Most buyers of new build property in Bloxham approach us having been asked by the housebuilder to sign contracts and commit to the purchase even before the premises is built. This is because new home sellers in Bloxham typically buy the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Bloxham or who has acted in the same development.
Are there any apps to assist me to locate a Bloxham law firm on the Bank of Ireland conveyancing panel? I am a keen cyclist and am prepared to travel upto 25kilometers to meet the conveyancer.
You can use the search on this page. Please pick a bank and your location and you will see a number of Bloxham conveyancing lawyers based on proximity. We have listed some Bloxham conveyancing firms at the bottom of this page and you can call them to verify if they are on the Bank of Ireland panel
My partner has recommend that I use his conveyancers in Bloxham. Should I find my own solicitor?
There are no two ways about it the ideal way to choose a conveyancing lawyer is to get referrals from friends or family who have used the conveyancer you're are thinking of instructing.