It is 10 years ago since I purchased my house in Higham Ferrers. Conveyancing lawyers have recently been appointed on the sale but I can't track down the title documents. Will this jeopardise the sale?
Don’t worry too much. Firstly there is a possibility that the deeds will be with the lender or they may stored with the conveyancers who handled the purchase. Secondly the likelihood is that the title will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing solicitors procuring current official copies of the land registers. Almost all conveyancing in Higham Ferrers involves registered property but in the unlikely event that your home is unregistered it is more tricky but is resolvable.
We had instructed conveyancing lawyers locally in Higham Ferrers on the RBS solicitor panel. They are now charging me a supplemental amount for handling the RBS mortgage. Is this an additional conveyancing fee set by RBS?
As unfair as it may appear, as long as it’s in their Terms of Engagement or Quote then yes your conveyancing practitioner is entitled to charge a fee for this. The charge is not set by RBS but by your Higham Ferrers property lawyer. Some firms on the RBS panel will quote ’dealing with mortgage’ fee but some practices incorporate it on their overall fee.
My husband and I have organised the release of further monies on our home loan from Clydesdale as we wish to conduct renovations to our house in Higham Ferrers. Are we obliged to select a nearby Higham Ferrers solicitor on the Clydesdale conveyancing panel to deal with the legals?
Clydesdale do not ordinarily instruct firms on their conveyancing panel to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Clydesdale panel.
After much negotiation I have agreed a price on an apartment in Higham Ferrers. My mortgage broker pressured me to appoint their property lawyer. I paid an upfront payment of £225. Not long after, the conveyancer contacted me sheepishly admitting that they were not on the Yorkshire BS conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Yorkshire BS panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I used Arc property Solicitors several years ago for my conveyancing in Higham Ferrers. I now require my papers however cannot find the solicitor. What do I do?
Do call the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Higham Ferrers of the conveyancing firm of solicitors you previously hired, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I'm remortgaging my primary house to a BTL loan with Barclays Direct and I will use the rest of the raised equity as a deposit on further house. The location we are talking about is Higham Ferrers. Will your conveyancers be able to act for both sets of banks and tie in the two deals?
Do use our search tool on this page to be sure that the conveyancers are on the appropriate lender panels. Assuming that they are the lawyer should be able to simultaneously deal with the two transactions but you should have a chat with you solicitor and communicate your expectations and needs.
My husband and I are 18 days into a leasehold purchase having been directed to conveyancers by the high street agent to perform conveyancing in Higham Ferrers. I am not happy. Could you help me find new solicitors?
They would need to be very poor to suggest changing them. Has the loan offer been sent? If so you need to inform them of the replacement lawyer and get the loan are re-issued. The solicitor ideally should be on the banks approved list to avoid escalating fees and complications. So that should be your starting point. Our find a solicitor tool can assist you in finding a lender approved solicitor for your conveyancing in Higham Ferrers
We are expecting to complete on the purchase a house in Higham Ferrers but as a result of damage from the recent storms I have agreed recompense from the seller of £2k taking the form of a reduction in the price. I had intended this to be dealt with as part of the conveyancing process however the mortgage company will not permit this. Why were they approached?
Any property lawyer that is on a bank approved list is required to inform the mortgage company of any variations to the purchase price. In the event that you prohibit your lawyer to disclose the price change to your lender then they would need to refrain from representing you and the bank.