Much to our surprise we have been advised by our IFA that my Cleator Moor solicitor is not on the mortgage company Conveyancing panel. What can I do to be sure if this is correct?
You need to contact your Cleator Moor conveyancer. You lawyer should notify you what has happened. Where they are not on the panel they could put your in touch with solicitors on the conveyancing panel for your lender.
My flat in Cleator Moor is up for sale and I have a buyer. Will my property lawyer need to be required to be on the Skipton conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Skipton conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their panel criteria fairly frequently currently.
I am helping my niece sell her house in Cleator Moor. Will the conveyancer order the energy assessment or do I organise this?
Following the demise of HIPs, energy performance certificates was retained a required element of moving house. An energy assessment should be commissioned prior to the property being advertised. This is not a task that law firms ordinarily arrange. Where you are instructing a Cleator Moor conveyancing lawyer they might help arrange energy performance certificates due to their contacts with long established Cleator Moor energy assessors
Can you help - my lawyer advises that lack of planning permission insurance is needed on my purchase. What is the typical level of cover needed for conveyancing in Cleator Moor?
The right level of lack of planning permission indemnity insurance should be dictated by who who your lender is. It would differ for example between National Westminster Bank and Leeds Building Society. Conveyancing lawyers as opposed to members of the public take out such insurances.
is it true that all Cleator Moor solicitors on the Kent Reliance conveyancing panel are regulated by the SRA?
As a firm of solicitors, in order to be on the Kent Reliance approved list of solicitors they would need to be overseen by the SRA. Many banks do permit licenced conveyancers on their panel and in such a situation the firms would be regulated by the Council of Licensed Conveyancers.
I used Stirling Law several years ago for my conveyancing in Cleator Moor. Now, I need my documents but the law firm is no longer operating. 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 Cleator Moor of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I am purchasing a new build house in Cleator Moor with a mortgage from Birmingham Midshires. The builders would not budge the price so I negotiated five thousand pounds worth of extras instead. The house builders rep told me not inform my conveyancer about this deal as it would adversely affect my loan with the bank. 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.
Given that I will soon spend hundreds of thousands of pounds on a two bedroom apartment in Cleator Moor I wish to talk to a lawyer concerning thehouse move ahead of giving the go ahead to the firm. Can this be arranged?
We could not agree more - it is our preference to talk to you we do not take any clients on without you liaising with the lawyer due to be carrying out your property ownership legalities in Cleator Moor.There is no ‘factory style conveyancing’ - every client is unique person, not a case reference. The practices that we put you in touch with believe that the fees you are calculated and presented to you for residential conveyancing in Cleator Moor should be the figure that you end up paying.