I am hoping to receive a offer of a home loan from Santander. I hope to employ the services of a Licensed Conveyancer in Curdworth. Does the Santander Solicitor panel include Licensed Conveyancers?
The Santander approved solicitor list is, like many other lenders, represented by the CML or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
Why do I have to pay up front for conveyancing in Curdworth?
Where you are retaining lawyers for conveyancing in Curdworth your lawyer will request that you to provide them with funds to cover the search fees. Normally this is requested to cover the fees of the Local Authority Search. If any down payment is as part of the sale price then this will be asked for shortly in advance of exchange of contracts. Any further balance that is due should be sent to your lawyer shortly before completion.
I'm purchasing my first flat in Curdworth benefiting from help to buy. The sellers would not reduce the amount so I negotiated £7000 of extras instead. The estate agent advised me not reveal to my lawyer about this side-deal as it could jeopardize my mortgage with the lender. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Given that I am about to part with over three hundred thousand on 3 bedroom house in Curdworth I would like to talk to a lawyer about mytransaction prior to appointing the firm. Can this be arranged?
We could not agree more - it is our preference to talk to you we do not take any clients on without you first talking to the lawyer who will be conducting your property ownership legalities in Curdworth.There is no ‘factory style conveyancing’ - every client is unique person, not a file number. The solicitors that we put you in touch with believe that the figure you are quoted for your conveyancing in Curdworth should be the amount on the final invoice that you are charged.
Is it best to go with a Curdworth conveyancing solicitor who is local to the property I am purchasing? We have a good friend who can conduct the legal formalities however her office is approximately 350kilometers drive away.
The primary upside of using a high street Curdworth conveyancing firm is that you can visit the firm to execute paperwork, hand in your identification documents and apply pressure on them if necessary. Having local Curdworth know how is a bonus. However nothing is more important than finding someone that will do a good and efficient job. If if people you trust used your friend and the majority were content that should outweigh using an unknown Curdworth conveyancing solicitor just because they are based in the area.
I would be grateful if you would explain what options are available to me if my Curdworth conveyancing searches shows negative results?
Normally, most concerns arising from Curdworth conveyancing search results can be addressed before completion or title insurance could possibly be taken. It is important to note that even though you are purchasing the premises and might be content to live with the search results, your mortgage lender may not, and ultimately the decision rests with them.