We see that you have a post code search directory identifying solicitors on the Barclays conveyancing panel. Do companies pay you a commission if I retain them for our conveyancing in Gower?
We are a listing service only for law firms wishing to communicate if they are on the Barclays conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Gower.
Do I have to visit the offices of the solicitor to execute the mortgage deed? If so, I will instruct a firm who offer conveyancing in Gower so that I can attend their offices when needed.
Whereas this was necessary ten years ago, almost all mortgage companies no longer oblige their conveyancing panel solicitor to witness the borrowers signature. It will still be necessary for you to hand over ID documents and there are still manifest benefits to instructing a local practitioner, in your case a conveyancing solicitor in Gower.
is it true that all Gower solicitor practices on the HSBC conveyancing panel are overseen by the SRA?
As a firm of solicitors, in order to be on the HSBC conveyancing panel they would need to be overseen by the Solicitors Regulatory Authority. Some mortgage companies do permit licenced conveyancers on their panel in which case such practice would be governed by the CLC.
I am expecting a AIP from TSB this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do TSB recommend any Gower solicitors on the TSB conveyancing panel, or is it better to go independently?
You will need to appoint Gower solicitors independently although you'll need to choose one on the TSB conveyancing panel. The solicitor represents both you and TSB through the process.
I've read lots of house buying guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Gower solicitor - who is on the UBS conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
UBS will need an independent valuation of the property. Your lawyer will not arrange this. Usually UBS 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. You may wish to consider appointing your own Gower surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
I purchased a semi-detached Edwardian house in Gower. Conveyancing practitioner acted for me and Godiva Mortgages Ltd. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: the first freehold, another for leasehold with the exact same property. Is it worth asking Godiva Mortgages Ltd to clarify?
You should assess the Freehold register you have again and check the Charges Register as there may be 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 Gower and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with lenders. You can also enquire as to the position with the conveyancing lawyer who conducted the work.
My business partner and I are intending to lease a unit on a shopping parade. Can you recommend lawyers offering competitive charges for commercial conveyancing in Gower for under 2k?
We are happy to recommend firms who host a wealth of experience of commercial conveyancing in Gower, including the sale and purchase of businesses as well as simply premises. Whether you are hoping to acquire or dispose of a shop, pub, restaurant, office, retail unit or a whole business we will find you the right solicitor. Regarding the costs this will depend on the structure and complexity of the deal. Let us have your details or call so as to enable us to provide you with a fixed commercial conveyancing quote.
My brother has suggested that I appoint his conveyancers in Gower. Do I follow his recommendation?
No doubt the ideal way to find a conveyancing solicitor is to seek referrals from friends or relatives who have actually experience in using the solicitor you're are thinking of instructing.