We're in Clifton Village, First time buyers buying with a mortgage (lender is RBS , and our solicitor is on the RBS conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the RBS conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no 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.
My wife and I are purchasing a flat in Clifton Village. I might seem paranoid but how we can trust a solicitor? At some point we will need to deposit money into their account. What protection do we have from them run away with our money?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
I am expecting a OIP from Aldermore this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Aldermore recommend any Clifton Village solicitors on the Aldermore conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Clifton Village solicitors independently although you'll need to choose one on the Aldermore conveyancing panel. The solicitor represents both you and Aldermore through the process.
I have paid off my mortgage with TSB. I assume I don't need a Clifton Village solicitor on the TSB panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your TSB 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 TSB mortgage from the register. TSB, 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 TSB has sent the Land Registry the discharge electronically, and
- TSB has instructed the Land Registry to do so
We are close to exchanging contracts on the sale of our property in Clifton Village and according to the buyers it appears that there is a possibility that the property was constructed land that was not decontaminated. A high street Clifton Village conveyancer would know this is not the case. It does beg the question why the buyers instructed an internet conveyancing outfit as opposed to a conveyancing solicitor in Clifton Village. Having lived in Clifton Village for six years we know that this is a non issue. Should we get in touch with our local Authority to obtain clarification that the buyers are looking for.
It sounds as though you may have a conveyancing firm currently acting for you. Are they able to advise? You should enquire of 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 sickness)
Due to the encouragement of my in-laws I had a survey completed on a property in Clifton Village ahead of instructing conveyancers. I have been informed that there is a flying freehold aspect to the house. My surveyor has said that some mortgage companies will refuse to grant a loan on a flying freehold premises.
It depends who your proposed lender is. Bank of Scotland has different requirements for example to Halifax. Should you wish to telephone us we can look into this further via 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 Clifton Village. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Clifton Village to see if the conveyancing costs will increase in light of this.
How straightforward is it to use the search app to select a conveyancing lawyer in Clifton Village on the panel for my bank?
First select a lender such as National Westminster Bank, The Mortgage Works or Platform Home Loans Ltd then specify your location for example Clifton Village. Conveyancing organisations in Clifton Village and across England and Wales will then be identified.
I am purchasing a garden apartment in Clifton Village. Conveyancing solicitor is waiting for, from the seller, building insurance paperwork. This afternoon I was informed that the seller must send the insurance paperwork for the flat above in addition. Why does my lawyer need to review the insurance for the flat above? Is it really required? We have been waiting for the last fortnight…
It is not unheard of in leasehold conveyancing in Clifton Village to discover Conveyancing in Clifton Village in a minority of cases reveals that the lease obliges the leasehold owners to insure their individual flats rather than the landlord insuring the entire property - which is definitely preferable. You should contact your conveyancer but it would seem that your conveyancing practitioner is attempting to verify that the entire building is insured. Insuring your apartment is no help when it comes to rebuilding after a fire if the 1st floor cannot be reconstructed for lack of insurance cover.