Much to our surprise we have been notified by our lender that my Brislington property lawyer is not on the bank Conveyancing panel. What can I do to be sure if this is correct?
You need to call your Brislington lawyer directly. You lawyer should notify you what has happened. If they are not on the panel they may be able to suggest a Brislington conveyancing firm that is on the conveyancing panel for your bank.
Our lawyer has uncovered a a legal deficiency with the lease for the flat we are buying in Brislington. The other side have put forward defective title insurance as a solution. We are happy with insurance and will pay for it. Our conveyancing practitioner has advised that he must be satisfied that the bank is content with this solution. Are we the client or is the lender?
The short answer to your last question is that, notwithstanding the risk of a conflict of interest, you and the bank are the client. Your conveyancing practitioner must comply with the UK Finance Lenders’ Handbook specifications. The UK Finance Lenders’ Handbook conditions require your lawyer to disclose issues such as defects with the lease so that the lender can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected. Should you refuse to allow your lawyer to make the appropriate notification then your solicitor will have no choice but to discontinue acting for you.
Can I use your services to locate a Conveyancing solicitor in Brislington even where I’m not buying or selling a house, for instance if I want to acquire an office in Brislington with a loan from HSBC Bank?
Our comparison service is predominantly used to select domestic conveyancing solicitors in Brislington but we have set out towards the end of this page a few Brislington commercial conveyancing firms. You will need to make contact with the firm directly to check if they are also authorised to represent HSBC Bank
My uncle passed away six months ago and as sole heir and executor I was left the property in Brislington. The house had a relatively small loan left on it of around £8000. I want to have the title changed into my name whilst I re-mortgage to UBS, pay off the mortgage. Is this possible?
Given you plan to re-mortgage then UBS will require that you use a conveyancer on the UBS conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your UBS conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the UBS mortgage is registered as a charge at the Land Registry.
Me and my brother have a renovated Georgian property in Brislington. Conveyancing practitioner represented me and TSB. I did a free Land Registry search last week and there are a couple of entries: the first freehold, another for leasehold under the exact same property. I'd like to know for sure, how can I find out??
You need to review 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 owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Brislington and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the situation with the conveyancing lawyer who conducted the work.
As co-executor for the estate of my grandfather I am disposing of a property in Cardiff but live in Brislington. My lawyer (who is 235 miles awayneeds me to sign a statutory declaration ahead of completion. Can you recommend a conveyancing lawyer in Brislington who can attest and place their company stamp on the document?
Technically speaking you should not need to have the documents witnessed by a conveyancing solicitor. Normally or notary public or qualified solicitor will do regardless of whether they are Brislington based