Can you vouch for a Coventry Building Society sanctioned Mickleover conveyancing conveyancer that can complete within 28 days? Am I best advised to choose a high street Mickleover practice or an online firm?
We can recommend some very good Mickleover conveyancing firms. Another option is to visit the main road in Mickleover. Go in to two or three law practices and ask to speak with a conveyancing solicitor for a costs illustration. Explain your requirements together with your reasons and get a commitment on speed. Select the lawyer that genuine.
Are the Mickleover conveyancing solicitors identified as being on the Skipton conveyancing panel, together with their details provided by Skipton?
Mickleover conveyancing firms themselves provide us confirmation that they are on the Skipton conveyancing panel as opposed to being supplied with a list from Skipton directly.
We are selling our flat in Mickleover. Does my lawyer have to be required to be on the Nationwide conveyancing panel in order to deal with the discharge of my mortgage?
Ordinarily, even if your lawyer is not on the Nationwide conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their specifications fairly frequently at the moment.
We had appointed solicitors with offices in Mickleover on the Nationwide solicitor approved list. They are now charging me an additional charge for handling the Nationwide mortgage. Is this an additional conveyancing fee specified by Nationwide?
As unfair as it may seem, as long as it’s in their Terms and Conditions or Quote then yes your conveyancer may levy a fee for this. The fee is not set by Nationwide but by your Mickleover solicitor. Plenty of firms on the Nationwide panel will quote ’dealing with mortgage’ fee but many practices include it on their overall fee.
I have today made my last payment due on my mortgage with Virgin Money. I assume I don't need a Mickleover solicitor on the Virgin Money panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Virgin Money mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Virgin Money mortgage from the register. Virgin Money, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Virgin Money has sent the Land Registry the discharge electronically, and
- Virgin Money has instructed the Land Registry to do so
After weeks of negotiation I have agreed a price on a house in Mickleover. My financial adviser recommended their conveyancers. I paid an advanced payment of £225. A few days later, the conveyancing practitioner contacted me sheepishly admitting that they were not on the Leeds Building Society 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 Leeds Building Society 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.
Have completed on a a detached house in Mickleover , What is the estimated time for the Land Registry to record my title? My Mickleover conveyancing solicitor works at snail pace, so I want to be sure the post completion formalities are addressed.
As far as conveyancing in Mickleover registration is no faster or slower than the rest of the country. As opposed to being determined by geographic area, timeframes can differ depending on who lodges the application, whether there are errors and if the Land registry must send notices to any third parties. At present in the region of 80% of such applications are fully dealt with within two weeks but some can be subject to extensive hold-ups. Historically registration takes place once the purchaser has moved in to the premises so 'speed' is not typically primary concern yet if it is urgent that the the registration takes place urgently then you or your conveyancer must speak with the land registry and explain the circumstances.
I decided to have a survey carried out on a house in Mickleover ahead of retaining conveyancers. I have been advised that there is a flying freehold element to the house. The surveyor has said that some mortgage companies will refuse to grant a mortgage on such a home.
It depends who your proposed lender is. Lloyds has different requirements from Nationwide. If you e-mail us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Mickleover. Conveyancing may be slightly more expensive based on your lender's requirements.