As someone with no idea as to the Handsworth conveyancing process what’s your top tip you can impart concerning the ownership transfer in Handsworth
Not many law firms or advisers will tell you this but conveyancing in Handsworth or throughout Birmingham is an adversarial experience. Put another way, when it comes to conveyancing there exists plenty of room for conflict between you and other parties involved in the ownership transfer. For example, the seller, estate agent and on occasion the bank. Appointing a solicitor for your conveyancing in Handsworth an important selection as your conveyancer is your adviser, and is the ONLY party in the legal process whose interest is to protect your legal interests and to keep you safe.
Every so often a potential adversary may attempt to convince you that it is in your interests to do things their way. As an example, the selling agent may claim to be helping by suggesting your solicitor is wrong. Or your mortgage broker may try to convince you to do take action that is contrary to your solicitors guidance. You should always trust your lawyer above all other parties when it comes to the legal transfer of property.
We just had an offer accepted to purchase with Loughborough BS. We have called around locally but am struggling to find a Handsworth conveyancing firm on the Loughborough BS panel. Please you assist?
Please do make use of the find a conveyancing panel solicitor tool on this site. Please choose the building society and type Handsworth or your preferred area and you will discover numerous conveyancers located in Handsworth or by proximity to you.
We expect to receive a AIP from Nottingham 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 Nottingham recommend any Handsworth solicitors on the Nottingham conveyancing panel, or is it better to go independently?
You will need to appoint Handsworth solicitors independently although you'll need to choose one on the Nottingham conveyancing panel. The solicitor represents both you and Nottingham through the process.
Completion of my remortgage has taken place for my property in Handsworth. Conveyancing was satisfactory but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?
Most lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Department at head office. Ordinarily complaints to a lender are sorted out effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
About to purchase house in Handsworth. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Aldermore conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Handsworth property lawyer is on the Aldermore conveyancing panel.
My wife and I have a renovated Victorian property in Handsworth. Conveyancing lawyer represented me and HSBC Bank. I did a free Land Registry search last week and I saw two entries: one for freehold, another for leasehold under the exact same property. If a house is not a freehold shouldn't I have been informed?
You should assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Handsworth and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also enquire as to the situation with your conveyancing solicitor who conducted the purchase.
Yesterday I discovered that there is a flying freehold issue on a house I have offered on two weeks back in what should have been a straight forward, no chain conveyancing. Handsworth is the location of the property. Can you offer any assistance?
Flying freeholds in Handsworth are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Handsworth you would need to get your solicitor to go through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Handsworth may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
I am a fortnight into a freehold purchase having been directed to solicitors by the local agent to handle our conveyancing in Handsworth. I am am extremely disappointed with the quality of service. Can you you assist me in finding new lawyers?
They would need to be very poor in order to consider replacing them. Has the mortgage been generated? If so you will need to inform them of the new contact details and have the offer are issued to the new lawyers. Your new conveyancer needs to be on the mortgage company approved list to avoid supplemental expenses and frustration. That should be your first question of the new lawyers. Our find a solicitor tool will assist you in finding a lender approved lawyer for your home move in Handsworth