The Mold conveyancing firm handling our Mold conveyancing has spotted a discrepancy when comparing the assumptions in the valuation survey and what is revealed within the title deeds. My lawyer informs me that he needs to check that the bank is OK with this discrepancy and is still content to lend. Is my lawyer’s approach right?
Your conveyancer must comply with the UK Finance Lenders’ Handbook conditions which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
Finally the sale completed on my house in Mold last December yet the purchaser is texting me to moan that her lawyer is waiting to hear from mylawyer. What should have happened following completion?
Following your sale your solicitor is duty bound to forward the transfer documentation and all of the paperwork to the purchaser's lawyers. If applicable, your conveyancer must also evidence that the legal charge in favour of the lender has been repaid to the purchasers lawyers. There are no post completion steps specific conveyancing in Mold.
We expect to receive a AIP from Aldermore this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Aldermore recommend any Mold solicitors on the Aldermore conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Mold 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'm in the throws of viewing houses in Mold and I am now considering a potential offer. Is it best to have my conveyancing practitioner on ‘stand by’? I am planning to take a mortgage with TSB.
You should start obtaining conveyancing estimates from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on to the estate agent. As you are obtaining a mortgage with TSB, ask your prospective lawyers if they are on the TSB conveyancing panel otherwise they can't do the mortgage legal work.
The formalities of my remortgage has taken place for my property in Mold. Conveyancing was satisfactory but I would like to complain about the lender. How do I make a complaint?
Most lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Department at head office. Ordinarily complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
Yesterday I discovered that there is a flying freehold element on a house I have offered on two weeks back in what was supposed to be a quick, chain free conveyancing. Mold is where the house is located. What do you suggest?
Flying freeholds in Mold are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Mold you would need to get your solicitor to go through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Mold may decide 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.
How do I locate a Mold solicitor on the Bank of Ireland conveyancing panel? I am a keen cyclist and am prepared to travel upto 25miles to meet the lawyer.
You can use the facility on this page. Please select a lender and your location and you will see a number of Mold conveyancing lawyers located nearest you. We have detailed some Mold conveyancing firms at the bottom of this page and you can call them to check whether they are on the Bank of Ireland panel
We are seeking to acquire a repossessed house in Mold and the vendor require completion inside 28 days. Can a solicitor meet that timeframe? Am I best advised to use a high street Mold firm or an online conveyancer that advertises to offer speedy conveyancing?
Visit your Mold high street. Pop in to 3 companies and request to see a conveyancing solicitor for a quote. Set out your requirements and try and obtain assurances on speed. Appoint the one that seems most trustworthy. Make sure to select a conveyancing practitioner on the panel of conveyancers approved by your lender.