It may have been a long time coming a loan agreement from Santander for the refinancing of my 2 room maisonette is to be issued within the next few days. Are you able to propose a cheap conveyancing law firm in Little Bromwich?
This site is not designed to aid those in their quest for a cheap conveyancing in Little Bromwich. We can offer you cost effective conveyancing but we do not aim to advertise as being the cheapest. Do not be fooled by brokers enticing you with ninety nine pound conveyancing in Little Bromwich. At best, in going for low cost conveyancing, you will get your money’s worth and at worst you will end up being stung for additional fees and still not get the service required.
We are approaching an exchange on a property in Little Bromwich and my mum and dad have transferred the exchange deposit to my solicitor. I am now advised that as the deposit has been received from someone other than me my lawyer needs to make a notification to my lender. I am advised that, in also acting for the mortgage company he must inform them that the balance of the purchase price is coming from anyone other than me. I disclosed to the bank about my parents' contribution when I applied for the home loan, so is it really necessary for this now to be an issue?
Your conveyancer is legally required to clarify with lender to ensure that they know that the balance of the purchase price is not from your own funds. Your solicitor can only notify this to your mortgage company if you permit them to, failing which, your lawyer must cease to continue acting.
My brother-in-law has suggested I instruct a conveyancing solicitor in Little Bromwich. I need to find out whether they are on the Barnsley Building Society conveyancing panel. Could you advise?
You should e-mail the lawyer and enquire if they are on the lender panel. Otherwise you should call Barnsley Building Society who may be able to confirm.
We expect to receive a OIP from Aldermore 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 Aldermore recommend any Little Bromwich solicitors on the Aldermore conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Little Bromwich solicitors independently although you'll need to choose one on the Aldermore conveyancing panel. The solicitor represents both you and Aldermore through the process.
I recently had an offer agreed on a house in Little Bromwich. My mortgage broker recommended their conveyancers. I paid an upfront payment of £150. A couple of days later, the solicitor contacted me sheepishly admitting that they were not on the Virgin Money 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 Virgin Money 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 am selling my flat. I had a double glazing fitted in May 2006, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, Aldermore are being difficult. The Little Bromwich solicitor who is on the Aldermore conveyancing panel is recommending indemnity insurance as a solution but Aldermore are insisting on a building regulation certificate. Why do Aldermore have a conveyancing panel if they don't accept advice from them?
It is probably the case that Aldermore have referred the matter to their valuer. The reason why Aldermore may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
Yesterday I discovered that there is a flying freehold issue on a property I have offered on a fortnight ago in what was supposed to be a straight forward, no chain conveyancing. Little Bromwich is where the house is located. Can you shed any light on this issue?
Flying freeholds in Little Bromwich are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Little Bromwich you would need to get your solicitor to go through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Little Bromwich may ascertain 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.
Living abroad it is not practicable to attend my Little Bromwich conveyancing practitioners office to sign documents connected to my conveyancing in Little Bromwich – is this a problem?
No. Little Bromwich conveyancing lawyers can conduct conveyancing transactions for clients wider afield. You are unlikely to be required to visit a Little Bromwich conveyancers office. They can handle everything using post, email, telephone and fax.