Me and my partner are buying a 2 bedroom flat in Colwyn Bay with a mortgage. We have a Colwyn Bay conveyancer, however the lender says she’s not on their "panel". We have to appoint one of the bank panel conveyancing practices or keep our Colwyn Bay conveyancing practitioner as well as pay for one of their panel lawyers to represent them. We regard this is unjust; are we not able to require that the bank use our Colwyn Bay lawyer ?
Unfortunately,no. Your mortgage offer is subject to its terms and conditions, one of which will be that lawyers will on the lender’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your Colwyn Bay conveyancing lawyer to apply to be on the conveyancing panel.
We are buying our first home. Our solicitor has e-mailedto enquire if we would like to purchase additional conveyancing searches. We are really unsure what's necessary for conveyancing in Colwyn Bay
The range of Colwyn Bay conveyancing searches should be dictated entirely on the property, the location, the probability of any of these risks, your familiarity of the locality and risks, your general appetite to risk. What matters is that you properly appreciate what information each search could give you. Then you can make a decision if you consider that you need that information. Should you be in doubt, ask your conveyancing practitioner to provide guidance.
Despite weeks of looking the Title Certificate and documents to our house can not be found. The lawyers who did the conveyancing in Colwyn Bay 5 years ago are no longer around. Will I be able to sell the house?
In today’s world there are copies made of almost everything, and your conveyancer will be aware precisely where to look for all the appropriate paperwork so you can purchase or sell your house without any difficulty. If copies can’t be located, your conveyancer can put in place insurance or indemnities protecting you against possible claims on your property.
I decided to have a survey carried out on a property in Colwyn Bay ahead of appointing solicitors. I have been advised that there is a flying freehold overhang to the property. My surveyor advised that some mortgage companies will refuse to give a loan on a flying freehold house.
It depends who your proposed lender is. Santander has different instructions from Birmingham Midshires. Should you wish to telephone us we can look into this further with the appropriate lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Colwyn Bay. Conveyancing will be smoother if you use a solicitor in Colwyn Bay especially if they are accustomed to such properties in Colwyn Bay.
Taking into account that I will soon spend over three hundred thousand on a terraced house in Colwyn Bay I wish to talk to a lawyer about myconveyancing in advance of giving the go ahead to the firm. Can this be arranged?
We could not agree more - we would be delighted to talk to you we do not take any clients on without you liaising with the lawyer who will be carrying out your property ownership legalities in Colwyn Bay.There is no ‘factory style conveyancing’ - each client is an important person, not a file reference. The practices that we put you in touch with believe that the figure you are calculated and presented to you for residential conveyancing in Colwyn Bay should be the figure that you end up paying.
As co-executor for the estate of my father I am disposing of a residence in Cardiff but reside in Colwyn Bay. My conveyancer (based 300 miles from mehas requested that I execute a statutory declaration before completion. Could you suggest a conveyancing solicitor in Colwyn Bay to witness and place their company stamp on the document?
Technically speaking you are not likely to be required to have the documents attested by a conveyancing solicitor. Normally any notary public or qualified solicitor will suffice regardless of whether they are Colwyn Bay based