I am expecting a mortgage with Halifax. My intention is to retain the legal services of a Licensed Conveyancer in Grimsby. Does the Halifax Conveyancing panel include Licensed Conveyancers?
The Halifax conveyancing panel is, like many other lenders, associated to the CML or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
Can the conveyancing lawyers revealed via your ’find a lawyer’ tool perform right to buy conveyancing in Grimsby?
We work with numerous conveyancing firms carrying out right to buy conveyancing work You should get in touch with us with a view to get a costs calculation.
It is is a decade since I purchased my home in Grimsby. Conveyancing lawyers have just been retained on the sale but I am unable to locate my title deeds. Is this a major issue?
You need not be too concerned. Firstly there is a chance that the deeds will be kept by the mortgage company or they could stored with the lawyers who acted in your purchase. Secondly in most cases the title will be recorded at the land registry and you will be able to prove you own the property by your conveyancing solicitors procuring up to date copy of the land registers. Most conveyancing in Grimsby relates to registered property but in the unlikely event that your home is not registered it adds to the complexity but is resolvable.
My uncle pointed out to me me that in purchasing a property in Grimsby there may be various restrictions affecting the ability to carry out external changes to the property. Is this right?
There are a number of properties in Grimsby which have some sort of restriction or requirement of consent to carry out external alterations. Part of the conveyancing in Grimsby should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I am the sole beneficiary of my late father’s will and I have everything in my name now, including the my former home in Grimsby. The Grimsby property was put into my name in October. I plan to dispose of the property. I understand that there is a Mortgage Lenders 6 month 'rule', which means that my proprietorship could be considered the same way as if I'd bought the property in October. Is the property unsalable for six months?
The Council of Mortgage Lenders’ handbook mandates solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be caught by that. many mortgage companies would take a sensible view as this provision is chiefly there to pick up on subsales or the wholesaling and assigning of properties.
We were going to get a OIP from HSBC 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 HSBC recommend any Grimsby solicitors on the HSBC conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Grimsby solicitors independently although you'll need to choose one on the HSBC conveyancing panel. The solicitor represents both you and HSBC through the process.
My wife and I are planning on selling our home in Grimsby and according to the buyers it appears that there is a risk of it being built land that was not decontaminated. Any high street Grimsby lawyer would know that there is no such problem. For the life of me I don't know why the purchasers instructed a national conveyancing outfit as opposed to a conveyancing solicitor in Grimsby. We have lived in Grimsby for three years we know that this is a non issue. Should we get in touch with our local Authority to get confirmation that there is no issue.
It would appear that you have a conveyancing lawyer already. What do they say? You need to check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same ailment)
I am thinking of appointing a conveyancing lawyer in Grimsby for my home move. Can I see a firm’s complaints history with the profession’s regulator?
Members of the public can find presented Solicitor Regulator Association (SRA) decisions stemming from investigations from 2008 onwards. Visit Check a solicitor's record. For details about the period before 1 January 2008, or to check a solicitors history, ring 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For non-uk callers, dial +44 (0)121 329 6800. The SRA sometimes recorded call for training reasons.