Me and my partner are purchasing property in Coombe. My Conveyancer is not on the mortgage company solicitor list. Is it possible for me to use my Coombe conveyancing solicitor even though they are not on the mortgage company approved list?
You will need to have a lawyer to complete the formalities if you require a loan to buy your home. The property lawyer will carry out all the necessary investigations on the property, make sure that you’re properly registered as the owner and ensure that all the required mortgage paperwork is dealt with. One can select a Coombe solicitor of your choice. However, if the conveyancer selected is not a member of the mortgage company approved list additional fees will be incurred as separate legal representation will be need by the lender. Bank panel applications can be submitted, so where your lawyer has not previously sought membership they should take the opportunity to apply.
My aunt passed away six months ago and as sole heir and executor I was left the property in Coombe. The house had a small mortgage left on it of around £4500. I want to have the title changed into my name whilst I re-mortgage to Clydesdale, pay off the mortgage. Is this allowed?
If you plan to refinance then Clydesdale will require that you use a conveyancer on the Clydesdale conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Clydesdale conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Clydesdale mortgage is registered as a charge at the Land Registry.
When it comes to lenders such as Nationwide, do Coombe conveyancers incur a fee to be on the list of approved solicitors?
We are unaware of any lender fees to register on their list of approved firms, although some do charge an administration charge to deal with the processing of the conveyancing panel application.
I am currently in the process of buying my council flat in Coombe. I have a mortgage agreed with Kent Reliance. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Kent Reliance, you will need to appoint a solicitor on the Kent Reliance conveyancing panel.
Our sealed bid on a detached house in Coombe has been agreed to, but there is a chain. The vendors have offered on somewhere, however it’s not yet tied up, and have viewings of other flats booked. I have chosen a high street conveyancing solicitor in Coombe. What do I do now? At what point should I apply for the mortgage with UBS?
It is understandable to have anxieties where there is a chain as you are unlikely to want to incur expenses too early (home loan application is in the region of one thousand pounds, then valuation, Coombe conveyancing search fees, etc). First, you should check that your lawyer is on the UBS conveyancing panel. As to the next steps this very much dictated by the uniqueness of your case, attraction to this property and on the state of the market. In a hot market many home buyers will apply for a home loan with UBS and pay for the valuation and only if it comes back ok would they pay their solicitor to proceed with searches.
I have todaybeen informed that Stirling Law have closed. They carried out my conveyancing in Coombe for a purchase of a leasehold apartment 9 months ago. How can I be sure that the property is in my name in the name of the previous owner?
The easiest method to check if the property is registered to you, 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 Coombe conveyancing specialists.
Given that I am about to part with 450k on a house in Coombe I would like to have a conversation with the conveyancer regarding thehouse move in advance of instructing the firm. Is this something that you can arrange?
This is something that we recommend - it is our preference 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 Coombe.There is no ‘factory style conveyancing’ - every client is unique individual, not a case reference. The practices that we put you in touch with believe that the fees you are quoted for your conveyancing in Coombe should be the amount on the final invoice that you end up paying.
As co-executor for the estate of my grandfather I am disposing of a house in Monmouth but live in Coombe. My lawyer (approximately 300 kilometers awayrequires that I execute a statutory declaration ahead of the transaction finalising. Can you recommend a conveyancing solicitor in Coombe to witness and place their company stamp on the document?
strictly speaking you are unlikely to need to have the documents attested by a conveyancing solicitor. Ordinarily any notary public or solicitor will be fine regardless of whether they are located in Coombe