Our mortgage company has suggested solicitors on their panel based in Halesworth but I would rather instruct a conveyancing lawyer in Halesworth or nearer to where I live. Are you able to assist?
Not all Halesworth conveyancing solicitors are listed all lender’s conveyancing panel. Do make the most of the above find an approved solicitor tool to locate a Halesworth conveyancing firm on the on the bank panel.
I have paid off my mortgage with RBS. I assume I don't need a Halesworth solicitor on the RBS panel to discharge the mortgage at the Land Registry. Please confirm.
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 can not work out if my bank requires a lease extension. I have called my Halesworth building society branch on a couple of occasions and was told it does not impact the mortgage offer and they would lend. My Halesworth conveyancing solicitor - who is on the mortgage company conveyancing panel- called to say that they refuse to lend in accordance with their UK Finance Lenders’ Handbook minimum lease term requirements. Who do I believe?
Your lawyer has to comply with the Council of Mortgage Lenders’ Handbook Part 2 specifications for your lender. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years remaining.
I have instructed a Halesworth conveyancing practitioner having checked that they are on the Barclays conveyancing panel. Does my lawyer arrange the survey of the property?
Barclays will need an independent valuation of the property. Your lawyer will not arrange this. Usually Barclays 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 Halesworth 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.
Will commercial conveyancing searches disclose proposed roadworks that may impact a commercial premises in Halesworth?
Its becoming the norm that commercial conveyancing solicitors in Halesworth will perform a SiteSolutions Highways report as it dramatically cuts the time that conveyancers spend in investigating accurate data on highways that impact buildings and development assets in Halesworth. The report provides definitive information on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Halesworth.
For every commercial conveyancing transaction in Halesworth it is crucial to investigate the adoption status of roads surrounding a site. The absence of identifying developments where adoption procedures have not been addressed adequately may cause delays to Halesworth commercial conveyancing deals as well as present a risk to future intentions for the site. These searches are not conducted for domestic conveyancing in Halesworth.
I decided to have a survey done on a house in Halesworth in advance of retaining conveyancers. I have been told that there is a flying freehold aspect to the property. My surveyor has said that some mortgage companies will not grant a mortgage on a flying freehold house.
It varies from the lender to lender. HSBC has different instructions from Halifax. Should you wish to call us we can check via the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Halesworth. Conveyancing will be smoother if you use a solicitor in Halesworth especially if they are acquainted with such properties in Halesworth.
Is it simple use your search facility to get a quote from a conveyancing practitioner in Halesworth on the panel for my lender?
1st choose a bank such as Birmingham Midshires, Leeds Building Society or Clydesdale then choose your location for instance Halesworth. Conveyancing firms in Halesworth and further afield should be listed.
We're FTB’s - had an offer accepted, but the agent advised that the seller will only move forward if we instruct the agent's chosen conveyancers as they want an ‘expedited deal’. Our preferred option is to instruct a local conveyancer accustomed to conveyancing in Halesworth
We suspect that the seller is unaware of this requirement. If they require ‘a quick sale', alienating a genuine buyer is likely to cause more damage than good. Speak to the vendors direct and make the point that (a)you are serious buyers (b)you are excited to move forward, with finances in place © you are chain free (d) you intend to proceed fast (e)but you are going to use your preferred Halesworth conveyancing solicitors - as opposed tothose that will give the estate agent a kickback or meet his conveyancing thresholds pre-set by corporate headquarters.