Why do I have to pay up front for my conveyancing in Bromham?
If you are buying a property in Bromham your lawyer will request that you to provide them with monies to cover the search fees. This will be the total of the cost of the conveyancing searches. When the down payment is as part of the purchase price then this should be required immediately before exchange of contracts. Any further balance that is due should be transferred a couple of days prior to the completion date.
I am thinking of refinancing my house in Bromham, does my lawyer need to be on the Clydesdale Solicitor panel?
There is nothing to stop you using your solicitor, but Clydesdale will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with two solicitors involved, and it will undoubtedly be more expensive too.
I used Wolstenholmes a few years past for my conveyancing in Bromham. I now require my papers but the law firm has closed. What do I do?
You should contact the Solicitors Regulatory Authority (SRA) to help locate 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 Bromham of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I'm buying my first flat in Bromham with a loan from Santander. The developers would not reduce the amount so I negotiated 6k of extras instead. The sale representative suggested that I not inform my conveyancer about this extras as it would impact my loan with Santander. Is this normal?.
All lenders require a Disclosure of Incentives Form from the developer 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 guidance of my in-laws I had a survey completed on a house in Bromham ahead of retaining solicitors. I have been informed that there is a flying freehold aspect to the house. Our surveyor has said that some banks tend not issue a mortgage on a flying freehold home.
It depends who your proposed lender is. Lloyds has different instructions from Nationwide. If you contact us we can investigate further via the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Bromham. Conveyancing will be smoother if you use a solicitor in Bromham especially if they regularly deal with such properties in Bromham.
What do I do if I am not happy with the lawyer who undertook our conveyancing in Bromham?
We live in an imperfect world, and unfortunately every so often matters do not go as planned. However there is recourse if you were dissatisfied with your conveyancing in Bromham. This varies from trying to resolve matters directly with them, through to reporting a conveyancer to their governing body. If things still aren’t resolved you may consider enlisting the help of the Legal Ombudsman.