We are purchasing a flat and need a conveyancing solicitor in Cricklade who is on the Lloyds solicitor panel. Can you recommend a local solicitor?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Lloyds . We don't recommend any particular firms conducting conveyancing in Cricklade.
I am thinking of refinancing my property in Cricklade, does my lawyer have to be on the Virgin Money Solicitor panel?
In theory, you could use a solicitor that is not on the Virgin Money conveyancing panel, but Virgin Money would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same conveyancing matter.
is it true that all Cricklade conveyancing solicitors on the Nottingham conveyancing panel are overseen by the SRA?
As solicitors, in order to be on the Nottingham conveyancing panel they would need to be governed by the SRA. The majority of banks do allow licenced conveyancers on their panel and in such a situation the practice would be governed by the CLC.
We had selected conveyancing lawyers located in Cricklade on the Yorkshire BS solicitor approved list. They have just billed me an additional amount for dealing with the Yorkshire BS mortgage. Is this an additional conveyancing fee specified by Yorkshire BS?
Provided it is contained in their Terms of Engagement or estimate then yes your conveyancer can levy a fee for this. This fee is not dictated by Yorkshire BS but by your Cricklade lawyer. Plenty of firms on the Yorkshire BS panel will levy an ‘acting for lender’ fee and others do not.
Last month we had a mortgage agreed in principle with Santander. Cricklade conveyancing solicitors are selected. What is the average time that one could expect to receive a mortgage offer from Santander?
Some lenders take longer than others. Have Santander completed the valuation? Have you informed Santander as to your lawyers' details and checked that your lawyers are on the Santander conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
Me and my brother purchased a terraced Victorian house in Cricklade. Conveyancing lawyer acted for me and Britannia. I did a free Land Registry search last week and I saw two entries: the first freehold, another for leasehold under the matching property. Is it worth asking Britannia to clarify?
You should review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Cricklade and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with purchasers. You can also check the position with your conveyancing practitioner who conducted the purchase.
I have been on the look out for a leasehold apartment up to £195,000 and identified one near me in Cricklade I like with a park and station nearby, the downside is that it only has 51 remaining years left on the lease. I can't really find anything else in Cricklade in this price bracket, so just wondered if I would be making a grave error buying a short lease?
Should you need a mortgage the shortness of the lease may be problematic. Discount the price by the expected lease extension will cost if not already taken into account. If the current proprietor has owned the property for a minimum of 2 years you may request that they commence the lease extension formalities and then assign it to you. You can add 90 years to the current lease term and have £0 ground rent by law. You should speak to your conveyancing lawyer regarding this.
Given that I will soon part with 450k on a terraced house in Cricklade I would like to have a conversation with the solicitor regarding theconveyancing prior to instructing the firm. Can this be arranged?
Absolutely - we would be happy to talk to you we do not take any clients on without you speaking to the lawyer due to be conducting your property ownership legalities in Cricklade.There is no ‘factory style conveyancing’ - each client is unique individual, not a case number. The solicitors that we put you in touch with believe that the figure you are quoted for your conveyancing in Cricklade should be the amount on the final invoice that you are charged.