How up to date is your search tool for Hanham conveyancing solicitors on the Santander conveyancing panel? Do Santander send you an updated list?
Hanham conveyancing firms themselves provide us confirmation that they are on the Santander conveyancing panel as opposed to being supplied with a list from Santander directly.
We are buying a house in Hanham. I might seem paranoid but how we can trust a solicitor? On completion day we will need to deposit our life savings into their account. What is the protection we have from them run away with our money?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
Last month we had a mortgage agreed in principle with TSB. Hanham conveyancing lawyers were selected. What is the average time that one could expect to receive a mortgage offer from TSB?
Some lenders take longer than others. Have TSB completed the valuation? Have you informed TSB as to your lawyers' details and checked that your lawyers are on the TSB conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
After shopping around on the internet I have found a Hanham property lawyer having checked that they are on the Bank of Ireland conveyancing panel. Does my lawyer arrange the survey of the property?
Bank of Ireland will need an independent valuation of the property. Your lawyer will not arrange this. Usually Bank of Ireland 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. Your solicitor will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Hanham postcode. As you are getting a mortgage with Bank of Ireland, you could contact them to see if they have a list of approved surveyors in Hanham.
Have purchased a a semi-detached house in Hanham , how long will it take for the Land Registry to deal with the formalities evidencing my proprietorship? My Hanham conveyancing solicitor has been very slow, so I want to be certain that my name is registered.
As far as conveyancing in Hanham is concerned, registration is no quicker or slower than the rest of England and Wales. As opposed to being determined by geographic area, timeframes can differ according to the party submitting the application, whether it is in order and whether the Land registry communicate with any other persons or bodies. Currently in the region of 80% of such applications are completed within two weeks but some can be subject to extensive delays. Historically registration takes place after the new owner has moved in to the property thus an expedited registration is not always an essential issue yet where there is a degree of urgency associated with the registration then you or your lawyers can communicate with the Registry to express the reasoning for an expedited registration.
I am buying a new build house in Hanham with a loan from Santander. The builders would not budge the amount so I negotiated £7000 of extras instead. The estate agent suggested that I not disclose to my conveyancer about the deal as it may affect my loan with the lender. Is this normal?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I've recently found out that there is a flying freehold issue on a property I put an offer in a fortnight ago in what should have been a quick, chain free conveyancing. Hanham is the location of the property. What do you suggest?
Flying freeholds in Hanham are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Hanham you would need to get your solicitor to go through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Hanham 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 property.
Are there any apps to assist me to locate a Hanham solicitor on the Virgin Money conveyancing panel? I am a keen cyclist and am prepared to travel upto 25miles to meet the solicitor.
You can use the tool on this page. Please select a mortgage company and your location and you will see a number of Hanham conveyancing lawyers locally. We have detailed some Hanham conveyancing firms at the bottom of this page and you can ring them to check if they are on the Virgin Money approved list