I am hoping to receive a mortgage with Lloyds. My intention is to retain the legal services of a Licensed Conveyancer in Hungerford. Does the Lloyds Solicitor panel exclude Licensed Conveyancers?
The Lloyds approved solicitor list is, like many other lenders, represented by the CML or Building Society Association, open to Licensed Conveyancers regulated by the CLC.
As a novice what is the most important advice you can give me regarding purchase conveyancing in Hungerford?
You may not hear this from too many lawyers but conveyancing in Hungerford or throughout England and Wales is often a confrontational process. In other words, when it comes to conveyancing there exists an abundance of room for conflict between you and others involved in the transaction. For example, the vendor, property agent and sometimes the bank. Appointing a lawyer for your conveyancing in Hungerford an important selection as your conveyancer is your adviser, and is the ONLY person in the process whose interest is to look after your legal interests and to protect you.
Every so often a third party with a vested interest may try and convince you that you should follow their advice. As an example, the property agent may claim to be assisting by claiming that your conveyancer is wrong. Or your mortgage broker may tell you to do something that is against your solicitors advice. You should always trust your lawyer above all other parties in the home moving process.
My brother-in-law has suggested I instruct a conveyancing solicitor in Hungerford. I need to find out whether they are on the HSBC Bank approved list of lawyers. Could you advise?
You should call your lawyer and enquire if they can act for the lender. Otherwise you should get in touch with HSBC Bank who may be able to assist.
I have todaybecome aware that Wolstenholmes have been shut down. They carried out my conveyancing in Hungerford for a purchase of a leasehold flat 9 months ago. How can I check that the property is registered correctly in the name of the former proprietor?
The quickest way to check 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 Hungerford conveyancing specialists.
How does conveyancing in Hungerford differ for newly converted properties?
Most buyers of new build property in Hungerford contact us having been asked by the seller to sign contracts and commit to the purchase even before the premises is constructed. This is because house builders in Hungerford typically acquire the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Hungerford or who has acted in the same development.
A licensed conveyancer handled my conveyancing in Hungerford three years past and was holding my title documents but has now closed – What steps do I now take to retreive these?
Title deeds, as such, no longer exist as the majority of homes in Hungerford are archived digitally at Land Registry. If you need to prove ownership or are disposing of or re-mortgaging your solicitor should obtain up to date copies of the register from the Land Registry in any case.
If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned with reasonable haste.