It may have been a long time coming a mortgage agreement from Santander for the remortgage of my 3 room apartment is due by the end of next week. Can you suggest a cheap conveyancing practitioner in Bournemouth?
This site is not designed to assist those in pursuit of the cheapest conveyancing solicitors in Bournemouth. We can offer you value for money conveyancing but we do not work with the cheapest lawyers. Avoid the trap of appointing companies offering the bait of ninety nine pound conveyancing in Bournemouth. The optimum outcome, in choosing a lawyer for cheap conveyancing, you will receive what you pay for and at worst it will result in you invoiced for additional fees and still not receive the service expected.
When it comes to mortgage companies such as Aldermore, do Bournemouth lawyers face a fee to be on the list of approved solicitors?
We are unaware of any mortgage company fees to register on their list of approved firms, although some do charge an administration fee to deal with the processing of the conveyancing panel submission.
I am currently in the process of buying my council flat in Bournemouth. I have a mortgage offer with Lloyds. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have 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 Lloyds, you will need to appoint a solicitor on the Lloyds conveyancing panel.
Aldermore have agreed my mortgage in principle, my bid on a apartment in Bournemouth has been accepted, what happens next?
Your estate agent will wish to know who your solicitors are (ensure that the conveyancers are on the lender’s approved list). Call up Aldermore or the broker and finish off any relevant documentation. Aldermore will instruct a valuer who will get in touch with the selling agent or owners to schedule an appointment. Once carried out (assuming no problems) it takes approximately a fortnight for the mortgage offer to be issued. Aldermore will send the offer to you and your lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Bournemouth.
Should my conveyancer be raising enquiries about flooding as part of the conveyancing in Bournemouth.
The risk of flooding is if increasing concern for solicitors dealing with homes in Bournemouth. Some people will acquire a house in Bournemouth, completely aware that at some time, it may suffer from flooding. However, leaving to one side the physical destruction, where a property is at risk of flooding, it may be difficult to obtain a mortgage, satisfactory insurance cover, or dispose of the premises. Steps can be carried out during the course of a property purchase to forewarn the buyer.
Lawyers are not qualified to offer advice on flood risk, but there are a number of searches that can be undertaken by the purchaser or on a buyer’s behalf which should figure out the risks in Bournemouth. The conventional set of property information forms sent to a buyer’s solicitor (where the solicitors are adopting what is known as the Conveyancing Protocol) incorporates a usual question of the owner to discover whether the property has ever been flooded. If the property has been flooded in past and is not disclosed by the vendor, then a purchaser could commence a legal claim for losses resulting from an incorrect answer. The buyer’s lawyers may also carry out an enviro search. This should indicate if there is a recorded flood risk. If so, additional inquiries will need to be carried out.
Me and my brother own a renovated Georgian property in Bournemouth. Conveyancing solicitor represented me and Leeds Building Society. I happened to do a free search for it on the Land Registry database and I saw two entries: one for freehold, another for leasehold with the exact same property. Is it worth asking Leeds Building Society to clarify?
You need to assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Bournemouth and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the situation with the conveyancing practitioner who conducted the conveyancing.
Yesterday I discovered that there is a flying freehold element on a property I have offered on last month in what was supposed to be a simple, no chain conveyancing. Bournemouth is where the house is located. Can you shed any light on this issue?
Flying freeholds in Bournemouth are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Bournemouth you would need to get your solicitor to go through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Bournemouth 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.
In my capacity as executor for the estate of my grandmother I am selling a residence in Monmouth but live in Bournemouth. My lawyer (approximately 235 kilometers from mehas requested that I execute a stat dec before the transaction finalising. Could you suggest a conveyancing lawyer in Bournemouth to attest this legal document for me?
Technically speaking you are not likely to be required to have the documents attested by a conveyancing solicitor. Normally or notary public or solicitor will suffice regardless of whether they are based in Bournemouth