My partner and I are approaching an exchange on a house in Clent and my parents have transferred the ten percent deposit to my conveyancer. I am now informed that as the deposit has not arrived from me my property lawyer needs to disclose this to my bank. I am advised that, in also acting for the mortgage company he must advise them that the balance of the purchase price is not just from me. I advised the mortgage company about my parents' contribution when I applied for the home loan, so is it really appropriate for him to raise this?
Your property lawyer is obliged to clarify with the bank to ensure that they know that the balance of the purchase price is not from your own funds. Your solicitor can only reveal this to your mortgage company if you agree, failing which, your lawyer must cease to continue acting.
We see that you have a search directory identifying solicitors on the Yorkshire BS conveyancing panel. Do companies pay you a referral fee if I instruct them for our own conveyancing in Clent?
We are a listing service only for law firms wishing to communicate if they are on the Yorkshire BS conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Clent.
We are buying a victorian detached house in Clent. We would like to carry out an extension to the side at the property.Will the conveyancing process include enquiries to see if these alterations are prohibited?
Your conveyancer should review the deeds as conveyancing in Clent can on occasion reveal restrictions in the title deeds which prevent categories of alterations or necessitated the permission of another owner. Certain works require local authority planning consent and approval under the building regulations. Certain locations are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. It would be prudent to check these things with a surveyor ahead of any purchase.
Can I be sure that the Clent conveyancing solicitor on the HSBC panel is any good?
When it comes to conveyancing in Clent obtaining recommendations is a good start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one advertising the lowest fees. We would always recommend that you speak with the lawyer conducting your conveyancing.
I've read lots of house buying guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Clent solicitor - who is on the Nationwide conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Nationwide will need an independent valuation of the property. Your lawyer will not arrange this. Usually Nationwide will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Clent surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
I used Wolstenholmes several years ago for my conveyancing in Clent. Now, I need my documents but the law firm has closed. What do I do?
Do call the Solicitors Regulatory Authority (SRA) to assist in tracing 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 Clent 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.
How does conveyancing in Clent differ for new build properties?
Most buyers of new build residence in Clent contact us having been asked by the builder to exchange contracts and commit to the purchase even before the house is built. This is because new home sellers in Clent tend to buy the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Clent or who has acted in the same development.
I am a fortnight into a residential purchase having been directed to conveyancers by the estate agent to carry out the conveyancing in Clent. I am not happy. Could you you assist me in finding new conveyancers?
A solicitor would have to be very poor to suggest changing them. Has the loan offer been generated? If so you must inform them of the replacement lawyer and have the mortgage documents are re-issued. Your conveyancer should be on the lenders approved list to avoid added costs and delays. That should be your starting point. The find a solicitor tool will assist you in finding a lender approved solicitor for your conveyancing in Clent