Recently been in touch with my conveyancing lawyer in Camelford who acted for me 18 months ago asking for a conveyancing estimate based on the same type of house sale & purchase (a leasehold premises and a freehold premises) of similar values with a home loan from Birmingham Midshires. It looks as though am now being quoted twice the amount. Better the devil I know or do I try and find an alternative conveyancer?
The estimate does seem a tad steep. If you you were to look around you may be able to get the conveyancing a bit cheaper by as much as £125. That being said, providing that you were content with the legal work the firm offered you couldcome to regret choosing an an untested conveyancer. If is important to be sure that the solicitor can represent Birmingham Midshires. You can use our search tool to select a Camelford conveyancing firm on the Birmingham Midshires member panel, which can often include conveyancing solicitors in Camelford.
Do I need to visit the offices of the solicitor to execute the legal charge? If so, I will appoint a lawyer who conducts conveyancing in Camelford so that I can attend their offices when needed.
Whereas this was necessary 12 years ago, the vast majority lenders no longer need their conveyancing panel solicitor to witness the mortgagors signature. You will still be obliged to hand over ID documents and there are still manifest benefits to instructing a locally based ayer, in your case a conveyancing solicitor in Camelford.
I have paid off my mortgage with Clydesdale. I assume I don't need a Camelford solicitor on the Clydesdale panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Clydesdale mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Clydesdale mortgage from the register. Clydesdale, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Clydesdale has sent the Land Registry the discharge electronically, and
- Clydesdale has instructed the Land Registry to do so
I have decided to exercise my right to buy my property in Camelford off the council. I have a mortgage agreed with Kent Reliance. Conveyancing is not something I have any knowledge of. 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 Kent Reliance, you will need to appoint a solicitor on the Kent Reliance conveyancing panel.
I was told three weeks ago that my mortgage has been agreed to by RBS. Is it usual for RBS to only issue the offer once my solicitor in Camelford is approved on their conveyancing panel? RBS have asked my solicitor to see a copy of their PI Insurance.
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for RBS to deal with your lawyer's application to be on the RBS conveyancing panel. There's no guarantee that your solicitor will be accepted.
Despite weeks of looking the Title Certificate and documents to my property are lost. The lawyers who conducted the conveyancing in Camelford 10 years ago no longer exist. Will I be able to sell the house?
As long as the title is registered the information relating to your proprietorship will be evidenced by the Land Registry with a Title Number. It is possible to execute a search at the Land Registry, identify your house and obtain up to date copies of the Registered Entries for less than a fiver. If the property is Leasehold then the Land Registry will also normally retain a certified copy of the Registered Lease and again, a copy can be retrieved for £20 inclusive of VAT.
Due to the advice of my in-laws I had a survey completed on a house in Camelford prior to instructing solicitors. I have been advised that there is a flying freehold element to the property. My surveyor has said that some lenders tend not give a loan on this type of premises.
It varies from the lender to lender. Lloyds has different instructions for example to Birmingham Midshires. If you call 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 Camelford. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Camelford to see if the conveyancing will be more expensive.
I need to instruct a conveyancing solicitor for leasehold conveyancing in Camelford. I've stumble across a site which appears to be the perfect solution If there is a chance to get all the legals done via phone that would be ideal. Do I need to be concerned? What are the potential pitfalls?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?