I am expecting a offer of a home loan from Halifax. I would like to employ the services of a Licensed Conveyancer in Calstock. Does the Halifax Solicitor panel include conveyancers regulated by the CLC?
The Halifax approved solicitor list is, like many other lenders, represented by the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
We're in Calstock, FTBs purchasing with a mortgage (lender is Aldermore , and our lawyer is on the Aldermore conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Aldermore conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no property lawyer should guarantee a timeframe for your conveyancing, due to third parties outside of your control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain.
I am downsizing from our property in Calstock and according to the buyers it appears that there is a risk of it being constructed land that was not decontaminated. Any high street Calstock lawyer would know this is not the case. For the life of me I don't know why the buyers are using an online conveyancing outfit as opposed to a conveyancing solicitor in Calstock. We have lived in Calstock for six years we know that this is a non issue. Should we contact our local Authority to get clarification need.
It sounds as though you may have a conveyancing lawyer already. What do they say? You should check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same ailment)
I opted to have a survey completed on a house in Calstock before appointing lawyers. I have been told that there is a flying freehold overhang to the house. Our surveyor has said that some banks will refuse to give a loan on a flying freehold home.
It varies from the lender to lender. Santander has different requirements for example to Halifax. Should you wish to telephone us we can look into this further with 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 Calstock. Conveyancing may be slightly more expensive based on your lender's requirements.
How difficult is it to transfer to a new conveyancer as I have to choose one who is on the Barclays Direct conveyancing panel. I was using a local conveyancing solicitor in Calstock round the corner but he is not approved by Barclays Direct
We will our best to assist in finding you a conveyancing solicitor in Calstock on the Barclays Direct panel. Please note that the law firms that we on the directory do not pay us fee if you instruct them and are registered with the Solicitors Regulation Authority who regulate all conveyancing solicitors in Calstock. In making use of search facility on this website, you can compare fees for conveyancing solicitors in Calstock and beyond.
We have AIP from Barclays who suggested we could borrow up to £218k. At what point do I need to instruct a practitioner for conveyancing? Calstock is where we plan to move to.
It would be wise to appoint a property lawyer now so that the solicitor can open the ledger so they can commence their ID checks etc. Once you wish them to start work they will seek a deposit normally approximately £200. That would generally be once you have the mortgage offer and survey back, nevertheless if you wish to speed matters you can get going sooner albeit risking some money.