We just had an offer accepted to purchase with Melton Mowbray Building Society. We have called around locally but am unable to find a Bridport conveyancing firm on the Melton Mowbray Building Society approved list. Could you assist?
You should take advantage of the search tool on this page. Please choose the mortgage company and type Bridport or your location and you will see a number of lawyer offices in Bridport or nearest you.
I am helping my mother sell her flat in Bridport. Does the conveyancer arrange the energy performance certificate or it is for the owner to coordinate?
After the abolition of Home Packs, EPC’s was maintained a required part of selling a property. An energy performance certificate should be to hand in advance of the property being advertised. This is not as aspect of the sale process that conveyancers normally organise. Where you are instructing a Bridport conveyancing practitioner they may be able to arrange energy assessments due to their contacts with reputable Bridport providers
My conveyancer has informed me that breach of easement insurance is needed on my purchase. What is the typical level of cover needed for conveyancing in Bridport?
The appropriate level of breach of easement indemnity insurance should be dictated by who your lender. It would differ for example between Barclays and Norwich and Peterborough Building Society. Conveyancing practitioners as opposed to borrowers take out such policies.
My offer on a property in Bridport has been accepted, but there is a chain. The vendors have offered on a property, but it’s not been accepted yet, and have viewings of other apartments booked. I have selected a bricks and mortar conveyancing solicitor in Bridport. What do I do now? At what stage should I apply for the mortgage with Bank of Ireland?
It is normal to have anxieties where there is a chain as you are unlikely to want to incur expenses too early (mortgage application is in the region of £1k, then survey, Bridport conveyancing search costs, etc). First, you must check that your solicitor is on the Bank of Ireland approved list. As to the subsequent steps this very much dictated by the uniqueness of your case, attraction to this property and on the state of the market. During a hot market some purchasers will apply for a home loan with Bank of Ireland and arrange for the valuation and only if it was satisfactory would they request their conveyancer to proceed with searches.
It has been four months following my purchase conveyancing in Bridport completed. I have checked the Land Registry site which shows that I paid £200,000 when infact I paid £180,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the asset from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I am buying a new build house in Bridport with a loan from Leeds Building Society. The developers would not budge the price so I negotiated 6k of fixtures and fittings instead. The estate agent suggested that I not reveal to my solicitor about this deal as it would put at risk my loan with Leeds Building Society. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Due to the encouragement of my in-laws I had a survey completed on a house in Bridport ahead of instructing lawyers. I have been informed that there is a flying freehold overhang to the house. Our surveyor has said that some mortgage companies will not grant a loan on this type of property.
It depends who your proposed lender is. Lloyds has different instructions for example to Birmingham Midshires. If you e-mail us we can check via the relevant bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Bridport. Conveyancing may be slightly more expensive based on your lender's requirements.
A licensed conveyancer acted on my conveyancing in Bridport half a dozen years past having archived my deeds but has since been shut down – What steps do I now take to get hold of them?
Deeds, as such, are no longer appropriate for most homes in Bridport are registered electronically at Land Registry. Where you need to show evidence of proprietorship or are disposing of or re-mortgaging your property lawyer can obtain up to date copies of the register from the Land Registry in any case.
If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned as quickly as possible.