Just contacted my conveyancing lawyer in Gloucestershire who completed the legal work 18 months ago and wanted a conveyancing costs illustration based on an identical type of home move (a leasehold property and a freehold premises) of similar values with a home loan from Chelsea Building Society. I am now being charged twice the amount. Am I right to be tempted to shop around for a cheaper internet firm of conveyancing solicitor?
The estimate does seem a little on the high side. If you you were to look around you could reduce the fees marginally by say £125. On the other hand, assuming were happy with the assistance the firm offered you couldcome to regret opting for an an untested conveyancer. Remember to be sure the solicitor can also act for Chelsea Building Society. Do use our search tool to choose a Gloucestershire conveyancing firm on the Chelsea Building Society approved list of lawyers, which can often include conveyancing solicitors in Gloucestershire.
My lawyer has informed me that defective lease insurance is necessary on my purchase. What is the typical level of cover needed for conveyancing in Gloucestershire?
The right level of defective lease indemnity insurance depends on your lender. It would differ for example between Yorkshire Building Society and Bank of Scotland. Conveyancing practitioners as opposed to borrowers take out such insurances.
Is it the case that all Gloucestershire CQS (Conveyancing Quality Scheme) solicitors are on the Aldermore conveyancing list of approved solicitors?
Some major banks and building societies now use the accreditation scheme as the starting point for Panel membership such as HSBC and Santander. CQS accreditation however is no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for solicitor practices wishing to remain on their approved list of conveyancing solicitors.
I have today made my last payment due on my mortgage with RBS. I assume I don't need a Gloucestershire lawyer on the RBS panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your RBS 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 RBS mortgage from the register. RBS, 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 RBS has sent the Land Registry the discharge electronically, and
- RBS has instructed the Land Registry to do so
I understand that there are debates on Chancel Insurance on online forums. Do I require this when acquiring a house in Gloucestershire? or I am told that there is a law dating back centuries that means some homeowners living in a parish church boundary will be compelled to pay for maintenance towards the chancel in proximity to the church. Is this applicable for conveyancing in Gloucestershire?
Unless a previous purchase of the property completed post 12 October 2013 you could expect solicitors conducting conveyancing in Gloucestershire to continue to propose a a chancel search and or chancel repair liability policy.
Are there restrictive covenants that are commonly picked up during conveyancing in Gloucestershire?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Gloucestershire. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
Are there any apps to assist me to search for a Gloucestershire law firm on the Skipton Building Society conveyancing panel? I have a car and am prepared to travel upto 10miles to meet the lawyer.
You can use the facility on this page. Please select a lender and your location and you will see a number of Gloucestershire conveyancing lawyers located nearest you. We have detailed some Gloucestershire conveyancing firms at the bottom of this page and you can contact them to see if they are on the Skipton Building Society approved list
A licensed conveyancer dealt with my conveyancing in Gloucestershire 8 years ago having stored my registration certificates but has since been shut down – What can I do to retreive them?
Deeds, as such, no longer exist as the majority of homes in Gloucestershire are archived electronically at Land Registry. Where you need to establish evidence of proprietorship or are disposing of or re-mortgaging your conveyancing practitioner can obtain up to date copies of the register from the Land Registry in any case.
If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned as quickly as possible.