Should conveyancers request an advanced payment when it comes to conveyancing in Ewloe?
Where you are retaining lawyers for conveyancing in Ewloe your lawyer will ask you to provide them with funds to cover the search fees. This will be the total of the cost of the conveyancing searches. If any down payment is payable against the purchase price then this should be asked for immediately prior to exchange of contracts. Any further balance that is due will be payable a couple of days prior to the day of completion.
Two weeks ago we had a mortgage agreed in principle with Lloyds. Ewloe conveyancing lawyers were instructed. What is the average time that one could expect to receive a mortgage offer from Lloyds?
There is no definitive answer here. Have Lloyds conducted the survey? Have you informed Lloyds as to your lawyers' details and checked that your lawyers are on the Lloyds conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I have paid off my mortgage with Kent Reliance. I assume I don't need a Ewloe lawyer on the Kent Reliance panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Kent Reliance mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Kent Reliance mortgage from the register. Kent Reliance, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Kent Reliance has sent the Land Registry the discharge electronically, and
- Kent Reliance has instructed the Land Registry to do so
After shopping around on the internet I have found a Ewloe solicitor having checked that they are on the HSBC conveyancing panel. Does my lawyer arrange the survey of the property?
HSBC will need an independent valuation of the property. Your lawyer will not arrange this. Usually HSBC will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Ewloe postcode. As you are getting a mortgage with HSBC, you could contact them to see if they have a list of approved surveyors in Ewloe.
I require quick conveyancing in Ewloe as I have a deadline to complete inside one month. A home loan is not required. Can I decline from having conveyancing searches to save money and time?
If.Given you are not obtaining a mortgage you have the choice not to have searches carried out although no law firm would advise that you don't. Drawing on our experience of conveyancing in Ewloe the following are examples of what can arise and adversely impact the marketability of the property: Refused Planning Applications, Overdue Charges, Outstanding Grants, Road Schemes,...
Taking into account that I am about to spend 450k on a garden flat in Ewloe I wish to have a conversation with the solicitor concerning thetransaction prior to giving the go ahead to the firm. Is this something that you can arrange?
Absolutely - it is our preference to talk to you we do not take any clients on without you liaising with the conveyancer due to be carrying out your conveyancing in Ewloe.There is no ‘factory style conveyancing’ - every client is an important individual, not a matter number. The solicitors that we put you in touch with believe that the figure you are calculated and presented to you for residential conveyancing in Ewloe should be the figure that you are charged.
My husband and I are four weeks into a residential purchase having been referred to a firm by the selling agent to carry out the conveyancing in Ewloe. I am not happy. Can you you assist me in finding new lawyers?
A conveyancer would have to be very poor in order to consider replacing them. Has your mortgage been sent? If so you must make them aware of the new solicitor and have the loan are re-sent. Your new conveyancer needs to be on the banks approved list to avoid supplemental expenses and delays. That should be your first question of the new lawyers. The search tool can assist you in finding a bank approved lawyer for your home move in Ewloe
My partner and I are acquiring a 2 bedroom flat in Ewloe. At the point of instructing our conveyancer, we were told they were on all mainstream mortgage company panels. The mortgage broker contacted us today to advise that they are not on the Clydesdale approved list. If it turns out to be true, what should we do? Should we simply pick a new property lawyer that is on their approved list or should we cover the costs for separate representation, with Clydesdale appointing their own approved conveyancer.
If you are acquiring a property needing a mortgage it is usual for the purchaser’s solicitors to also represent the purchaser's lender. In order to act for a bank or building society a solicitor has to be on that lender's list of approved lawyers. An application has to be made by the property lawyer to the lender to become a member of the lender's panel and there are increasingly strict criteria which the conveyancer has to satisfy. Some lenders now require their panel members to be part of the Law Society’s Conveyancing Accreditation Scheme. Your property lawyer should call Clydesdale to find out if they can apply for membership of their conveyancing panel, but if that is not viable they will instruct their own solicitors to act. You don't have to instruct a firm on Clydesdale's conveyancing panel as you are at liberty to use your preferred Ewloe lawyers, in which case it will likely add costs, and it may delay matters as you have another set of people involved.