My Church End lawyer has identified a difference when comparing the information in the home valuation report and what is in the title deeds. My lawyer has advised that he needs to ensure that the bank is happy with this discrepancy and is content to go ahead. Is my lawyer’s approach appropriate?
Your lawyer must comply with the UK Finance Lenders’ Handbook requirements which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
Completed the sale of my flat in Church End last February but my buyer keeps texting every few hours complaining that his conveyancer is waiting to hear from mine. What are the post completion sale formalities now that I have sold?
Following your sale your solicitor should send the transfer deeds and all of the paperwork to the buyer’s conveyancer. If applicable, your conveyancer must also send confirmation that the home loan has been repaid to the purchasers lawyers. There is unlikely to be post completion steps unique to conveyancing in Church End.
Do I have to visit the offices of the solicitor to sign the legal charge? If so, I will instruct a firm who offer conveyancing in Church End so that I can pop in to their offices if required.
Whereas this was necessary 12 years ago, almost all mortgage companies no longer require their conveyancing panel lawyer to witness the borrowers signature. You will still be obliged to provide ID documents and there are still distinct benefits to choosing a locally based solicitor, in your situation a conveyancing solicitor in Church End.
We are aiming to move house in February. Should my conveyancing solicitor call the removal company on the completion day. As an aside, can you recommend a removal company in Church End. Conveyancing solicitor was found prior to coming across your site.
On the day of completion you can pick up the keys from your property agent however this should only take place when the previous owners conveyancers advise the agent that the monies to complete are in and the keys can be released. Subsequently you can advise the removal company that you are ready to move in. We do not recommend a specific removal company but can help you locate a conveyancing in Church End or a firm with expertise in conveyancing in Church End.
Last month we had a mortgage agreed in principle with Coventry BS. Church End conveyancing solicitors are selected. What is the average time that one could expect to receive a mortgage offer from Coventry BS?
Some lenders take longer than others. Have Coventry BS completed the survey? Have you informed Coventry BS as to your lawyers' details and checked that your lawyers are on the Coventry BS conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
It is not clear whether my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called into my local Church End building society branch on a couple of occasions and was advised it wasn't a problem and they would lend. My Church End conveyancing solicitor - who is on the lender conveyancing panel- telephoned and was told they refuse to lend in accordance with their published requirements. Who do I believe?
Your property lawyer has to comply with the CML Handbook section two specifications for your bank. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
I appreciate that there are debates on Chancel Insurance on online forums. Do I require chancel insurance when acquiring a property in Church End? or I am told that there is a law dating back centuries that could mean that homeowners residing in a parish church boundary may be liable to pay for maintenance towards the chancel in proximity to the church. Is this a legitimate concern for conveyancing in Church End?
Unless a prior acquisition of the house took place after 12 October 2013 you could take it that solicitors handling conveyancing in Church End to continue to suggest a chancel search and or chancel repair liability insurance.
I have recentlydiscovered that Stirling Law have been shut down. They conducted my conveyancing in Church End for a purchase of a freehold house 12 months ago. How can I establish that my home is in my name in the name of the former proprietor?
The easiest method to check if the property is in your name, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Church End conveyancing specialists.