It has come to my attention via my mortgage broker that my Halkyn lawyer is not on the lender Conveyancing panel. How can I be sure that this is correct?
You need to contact your Halkyn lawyer directly. It is reasonable to expect your lawyer to advise you of the situation. If they are not on the panel they could put your in touch with solicitors on the approved list of lawyers for your lender.
We are approaching an exchange on a property in Halkyn and my parents have sent the exchange deposit to my lawyer. I am now told that as the deposit has been sent from someone other than me my solicitor needs to make a notification to my mortgage company. Apparently, in also acting for the bank he must advise them that the balance of the purchase price is coming from anyone other than me. I advised the mortgage company concerning my parents' contribution when I applied for the mortgage, so is it really appropriate for this now to delay the deal?
Your conveyancer is obliged to check with mortgage company to ensure that they know that the balance of the purchase price is not from your own resources. The solicitor can only notify this to your mortgage company if you permit them to, failing which, your lawyer must cease to continue acting.
I had intended to instruct a conveyancing solicitor in Halkyn for our home move. Our broker has since notified us that our mortgage company The Royal Bank of Scotland won't deal with them. Surely this is unfair competition?
Lenders tend to imposes restrictions either the type or the number of conveyancing firms on their approved list of lawyers. Typical examples of such criteria being that a firm must have two or more partners. In addition to restricting the type of firm, a few lenders have reduced the number of solicitor practices they permit to act for them. You should note that The Royal Bank of Scotland have no responsibility for the quality of advice provided by any member of The Royal Bank of Scotland Conveyancer Panel. Mortgage fraud was a primary driver in the reduction of conveyancing panels since 2008 even though there remains mixed views regarding the extent of solicitor engagement in some of that fraud. Data from the Land Registry indicate that thousands of law firms, including some in or near Halkyn only conduct a couple conveyances per annum.
I have recentlybeen informed that Wolstenholmes have been shut down. They conducted my conveyancing in Halkyn for a purchase of a freehold house 10 months ago. How can I establish that the property is registered correctly in the name of the former proprietor?
The easiest way to see if the premises is registered to you, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Halkyn conveyancing specialists.
As co-executor for the will of my father I am disposing of a residence in Newport but reside in Halkyn. My lawyer (based 250 miles awayneeds me to execute a statutory declaration before completion. Can you recommend a conveyancing practitioner in Halkyn to witness and place their company stamp on the document?
Technically speaking you are unlikely to need to have the documents attested by a conveyancing solicitor. Ordinarily or notary public or qualified solicitor will do regardless of whether they are based in Halkyn
I pay a maintenance fee for my appartment in Halkyn. Due to redundancy and other issues I fell into arrears with payments. The managing agents agreed a settlement plan but there is still in the region of £3000 due in arrears.
I want to dispose of the property and I am concerned this will threaten to derail the sale if I have to pay off the arrears first. Do I have to settle before - is this achievable?
Do clarify with the conveyancing practitioner conducting your Halkyn conveyancing but it may be possible to arrange for the debt to be attributed to the purchasers. The sale price payable would be reduced to reflect the amount of debt they take on. They would then discharge the outstanding monies once they are the owners.