My husband and I are purchasing a purpose built apartment in Hawes with a loan from Clydesdale.We like our Hawes conveyancing solicitor but Clydesdale informed us her practice is not listed on their approved list of member firms. We have to appoint a Clydesdale panel solicitor or retain our local solicitor and fork out for a Clydesdale panel lawyer to represent them. We feel as though this is unjust; is there anything we can do?
No, not really. The loan issued to you contains various provisions, a common one being that lawyers will be on the Clydesdale approved list. Until recently, most lenders had large numbers of solicitors on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your solicitors to apply to be on the conveyancing panel for Clydesdale
I am aiming to move house in March. Will my conveyancing solicitor liaise with the removal company on the day of completion. Incidentally, can you recommend a removal company in Hawes. Conveyancing lawyer was chosen prior to coming across your page.
On the afternoon of completion you can collect the keys from the property agent but this should only be done after the previous owners conveyancers inform the agent that they acknowledge receipt of the completion payment and the keys can be given over. After that you should tell the removal company that you are ready to move in. We are not in a position to recommend a specific removal organisation but can help you find a residential property solicitor in Hawes or a legal practice that specialises in conveyancing in Hawes.
My wife and I are in the throws of looking at houses in Hawes and I am about to put in an offer. Is it sensible to have my solicitor on ‘stand by’? I am planning to take a home loan with HSBC.
It would be sensible to commence your search sooner rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their details on to the selling agent. As you are getting a mortgage with HSBC, ask your prospective lawyers if they are on the HSBC conveyancing panel otherwise they can't do the mortgage legal work.
I've digested plenty of house buying guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Hawes solicitor - who is on the Co-operative conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Co-operative will need an independent valuation of the property. Your lawyer will not arrange this. Usually Co-operative 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 Hawes 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.
It has been 3 months following my purchase conveyancing in Hawes took place. I have checked the Land Registry website which shows that I paid £150,000 when infact I paid £215,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the asset from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I opted to have a survey carried out on a property in Hawes prior to appointing solicitors. I have been advised that there is a flying freehold aspect to the property. Our surveyor has said that some banks will not issue a mortgage on this type of premises.
It depends who your proposed lender is. HSBC has different requirements from Birmingham Midshires. If you e-mail us we can look into this further with the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Hawes. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Hawes to see if the conveyancing will be more expensive.
Hoping to buy a property located in Hawes and I am already nervous. I couldn't find anything specific about Hawes. Conveyancing will be needed in due course but do you know about the Hawes area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Hawes. In the meantime here are some basic statistics that we found
As co-executor for the will of my aunt I am selling a residence in Cardiff but I am based in Hawes. My conveyancer (approximately 250 miles awayrequires that I execute a statutory declaration prior to the transaction finalising. Could you suggest a conveyancing solicitor in Hawes to witness this legal document for me?
strictly speaking you should not need to have the documents attested by a conveyancing solicitor. Ordinarily any notary public or solicitor will suffice regardless of whether they are Hawes based