What is the first thing I need to know about purchase conveyancing in Crawley?
You may not hear this from too many lawyers but conveyancing in Crawley or throughout England and Wales is an adversarial experience. Put another way, when it comes to conveyancing there exists plenty of room for friction between you and other parties involved in the legal transfer of property. E.g., the vendor, selling agent and even potentially the bank. Choosing a law firm for your conveyancing in Crawley is a critical decision as your conveyancer is your adviser, and is the SOLE person in the legal process whose role it is to look after your legal interests and to protect you.
We are witnessing a worrying ongoing adversarial element to conveyancing- someone has to be blamed for the process taking so long. You your first instinct should be to trust your conveyancer ahead of the other players in the home moving process.
I am purchasing a property and need a conveyancing solicitor in Crawley who is on the Yorkshire Building Society solicitor. Could you point me in the right direction as regards a solicitor?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Yorkshire Building Society in certain locations such as Crawley. We dont recommend any particular firm.
We previously appointed conveyancing lawyers locally in Crawley on the Nottingham solicitor panel. They are now charging me a further charge for the legal aspects of the Nottingham mortgage. Is this an additional conveyancing fee set by Nottingham?
As unfair as it may appear, as long as it’s in their Terms and Conditions or Quote then yes your lawyer may levy a fee for this. This fee is not dictated by Nottingham but by your Crawley property lawyer. Numerous firms on the Nottingham panel will charge an ‘acting for lender’ fee but many practices incorporate it on their overall fee.
I can not work out if my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date. I have telephoned my Crawley building society branch on a couple of occasions and was told it does not impact the mortgage offer and they would lend. My Crawley conveyancing solicitor - who is on the mortgage company conveyancing panel- called and was told they will not lend in accordance with their published requirements. Who do I believe?
Provided that the solicitor is on the lender approved list, they must comply with the Council of Mortgage Lenders’ Handbook specifications for the bank. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
Bank of Ireland have agreed my mortgage in principle, my offer on a house in Crawley has been agreed to, what are the next steps?
The property agent will want to know who your solicitors are (ensure that the solicitors are on the lender’s approved list). Telephone Bank of Ireland or the financial adviser and finalise any relevant paperwork. Bank of Ireland will instruct a valuer who will get in touch with the estate agent or owners to schedule a slot for the valuation to happen. Once carried out (assuming no problems) it takes approximately a week for the mortgage offer to be issued. Bank of Ireland will issue the offer to you and your conveyancers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Crawley.
How does conveyancing in Crawley differ for newly converted properties?
Most buyers of new build property in Crawley approach us having been asked by the builder to sign contracts and commit to the purchase even before the house is built. This is because house builders in Crawley tend to purchase the real estate, 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 property lawyers 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 accustomed to new build conveyancing in Crawley or who has acted in the same development.
Yesterday I discovered that there is a flying freehold element on a property I have offered on two weeks back in what should have been a straight forward, no chain conveyancing. Crawley is the location of the property. What do you suggest?
Flying freeholds in Crawley are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Crawley you would need to get your solicitor to go through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Crawley may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
How do I locate a Crawley solicitor on the Platform Home Loans Ltd conveyancing panel? I drive a motor bike and am willing to travel upto 20miles to meet the solicitor.
You can use the tool on this website. Please pick a bank and your location and you will see a number of Crawley conveyancing lawyers based on proximity. We have detailed some Crawley conveyancing firms at the bottom of this page and you can call them to see if they are on the Platform Home Loans Ltd panel