Some advice if I may. My Boldon Colliery lawyer is informing me me that he has toapply for Boldon Colliery conveyancing searches becausethe firm are on the Santanderapproved lawyer panel. Is this really necessary?
Unfortunately both you and your lawyer have little choice here. Given that you are taking out a loan with a bank your conveyancing practitioner has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your conveyancing practitioner would have previously signed the Terms and Conditions of your lender’s conveyancing panel appointment which obliges them to comply with the CML Handbook conditions . Even if you were a cash buyer you would be ill advised not to carry out Boldon Colliery conveyancing searches.
I am assisting my step-mother sell her flat in Boldon Colliery. Will the conveyancing solicitor order an energy assessment or do I organise this?
After the abolition of HIPs, EPC’s was maintained a required part of moving house. An EPC should be to hand in advance of the property being advertised. This is not as aspect of the sale process that lawyers ordinarily organise. If you are instructing a Boldon Colliery conveyancing solicitor they might help arrange EPC’s due to their relationships with reputable Boldon Colliery energy assessors
I am the single recipient of my late father’s will with all property in now in my sole name, including the house in Boldon Colliery. The Boldon Colliery property was put into my name in July. I now wish to sell up. I understand that there is a Mortgage Lenders six month 'rule', which means that my property ownership could be treated the same way as if I'd bought the property in July. Is the property unsalable for six months?
The Council of Mortgage Lenders’ handbook requires solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you could be impacted by that. How sensible a view banks take of it, depend on the lender as this obligation is chiefly there to identify subsales or the wholesaling and assigning of properties.
I have paid off my mortgage with Barclays. I assume I don't need a Boldon Colliery solicitor on the Barclays panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Barclays 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 Barclays mortgage from the register. Barclays, 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 Barclays has sent the Land Registry the discharge electronically, and
- Barclays has instructed the Land Registry to do so
We are buying a property and the solicitor has identified Chancel Repair to which the house may be obligated to pay because it falls into the area of such a church. He has mentioned insurance. Is this strictly appropriate for conveyancing in Boldon Colliery
Unless a previous purchase of the property completed after 12 October 2013 you may assume that lawyers carrying out conveyancing in Boldon Colliery to remain recommending a chancel search and or chancel repair liability policy.
Am I right to be wary that brokers that I am dealing with are suggesting an internet conveyancing firm as opposed to a High Street Boldon Colliery conveyancing company?
As is the case with lots of professional services, often referrals from relatives can be most helpful. Yet there are many players in a conveyancing deal; estate agents, financial adviser and banks may put forward conveyancers to choose. Sometimes the lawyers might be known to one of the organisations as experts in their field, but sometimes there behind the scenes financial incentive behind the recommendation. You have the discretion to appoint your preferred lawyer. Don't forget that the majority of lenders have an approved list of solicitors you must use for the mortgage aspect of your house move.
We are 17 days into a freehold purchase having been directed to solicitors by the estate agent to handle our conveyancing in Boldon Colliery. I am am very frustrated with the quality of service. Can you you assist me in finding new solicitors?
They would have to be really poor in order to consider changing them. Has the mortgage been sent? In the event that it has you need to advise them of the new contact details and ensure the offer are re-issued. The conveyancer needs to be on the lenders approved list to avoid added fees and delays. That should be your starting point. Our find a solicitor tool will assist you in finding a lender approved solicitor for your home move in Boldon Colliery
I am purchasing a maisonette and cash is in place. My solicitor has been supplied with with 2 separate forms of photographic identification, bank statement, multiple utility bills. Now he wants a copy from a probate lawyer advising that the funds are in place and that it has come from inheritance and not via illegitimate means.
In today’s world you will not be able to complete any Boldon Colliery conveyancing transaction without first providing evidence of your identity to your lawyers. This usually takes the form of a either your passport or driving licence and a utility bill. Remember if you are providing your driving licence as evidence of ID it must be both the paper part and photo card part, one is not acceptable without the other. Proof of your source of funds is required under Money Laundering Regulations.