Much to our surprise we have been notified by our mortgage broker that my Loxford solicitor is not on the mortgage company Solicitor panel. How can I check?
Your first step should be to call your Loxford lawyer directly. It is reasonable to expect your lawyer to advise you what has happened. If they are not on the panel they may recommend you to a Loxford conveyancing firm that is on the approved list of lawyers for your mortgage company.
Can your site be used to recommend a Conveyancing solicitor in Loxford even where I’m not purchasing or selling a house, for instance if I want to buy an office in Loxford with a mortgage from Yorkshire Building Society?
Our comparison service is mainly there to get a quote from domestic conveyancing solicitors in Loxford but we have recorded towards the bottom of this page some Loxford commercial conveyancing firms. You will need to enquire with the company directly to see if they are also authorised to represent Yorkshire Building Society
Do I need to pop into the offices of the solicitor to sign the legal charge? If so, I will instruct a firm who offer conveyancing in Loxford so that I can pop in to their offices if necessary.
Whereas this was necessary twenty years ago, most lenders no longer require their conveyancing panel solicitor to witness the borrowers signature. You will still be obliged to supply ID documents and there are still distinct advantages to instructing a local practitioner, in your situation a conveyancing solicitor in Loxford.
I am helping my mother sell her house in Loxford. Will the conveyancing solicitor arrange an energy performance certificate or should I organise this?
After the demise of Home Information Packs, EPC’s was retained a required component of moving house. An energy performance certificate needs to be to hand before the property is advertised. This is not as aspect of the sale process that conveyancers ordinarily arrange. Where you are using a Loxford conveyancing solicitor they might be willing to arrange energy performance certificates given their contacts with long established Loxford energy assessors
I am selling my house. I had a double glazing fitted in April 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, UBS are being problematic. The Loxford solicitor who is on the UBS conveyancing panel is recommending indemnity insurance as a solution but UBS are requiring a building regulation certificate. Why do UBS have a conveyancing panel if they don't accept advice from them?
It is probably the case that UBS have referred the matter to their valuer. The reason why UBS 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.
HSBC have agreed my mortgage in principle, my bid on a flat in Loxford has been accepted, what are the next steps?
Your property agent will need to be advised as to your solicitor's details (ensure that the conveyancers are on the lender’s approved list). Telephone HSBC or your broker and finalise any outstanding paperwork. HSBC will appoint a valuer who will get in touch with the estate agent or owners to arrange an appointment. Once carried out (assuming no problems) it takes approximately a fortnight to receive the mortgage offer. HSBC will send the offer to you and your conveyancing practitioners. The legal work will then take it’s course according the nature and complexity of the conveyancing in Loxford.
I am close to exchanging contracts on the sale of our house in Loxford and the buyers lawyers are claiming that there is a risk of it being built on contaminated land. Any local lawyer would know this is not the case. It does beg the question why the buyers are using a factory type conveyancing outfit as opposed to a conveyancing solicitor in Loxford. Having lived in Loxford for 5 years we know that this is a non issue. Do we get in touch with our local Authority to obtain confirmation that there is no issue.
It would appear that you have a conveyancing lawyer already. What do they say? You should check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same sickness)
I was advised by two or three local estate agents in Loxford to get a quote from a conveyancer on your site. Is there a financial advantage for Estate Agents to recommend your services rather than a competitor’s?
We don’t offer any financial incentive for directing people our way. We thought it would be too underhand to pay a commission as home movers will think, ‘How come the agent getting a kickback? Why aren’t I receiving any benefit too?’ So we decided to step away from that.