My wife and I are approaching an exchange on a house in Newington and my parents have sent the exchange deposit to my property lawyer. I am now advised that as the deposit has been sent from someone other than me my property lawyer needs to make a notification to my lender. Apparently, in also acting for the lender he must advise them that the balance of the purchase price is coming from anyone other than me. I disclosed to the lender about my parents' contribution when I applied for the home loan, so is it really appropriate for him to raise this?
Your property lawyer is legally required to check with lender to make sure that they know that the balance of the purchase price is not from your own resources. Your solicitor can only notify this to your mortgage company if you agree, failing which, your lawyer must cease to continue acting.
Why do I have to pay up front when it comes to conveyancing in Newington?
If you are buying a property in Newington your lawyer will request that you place them with monies to cover the search fees. This will be the total of the cost of the conveyancing searches. When the down payment is payable against the total price then this will be required immediately in advance of contracts are exchanged. Any further balance that is needed should be sent to your lawyer a couple of days prior to the completion date.
We are buying a end of terrace house in Newington. Our aim is to carry out an extension to the side at the house.Will the conveyancing process involve checks to see if these alterations are permitted?
Your conveyancer will check the registered title as conveyancing in Newington will occasionally reveal restrictions in the title deeds which restrict categories of works or require the consent of a 3rd party. Many additions need local authority planning consent and approval under the building regulations. Certain locations are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. You should check these things with a surveyor ahead of any purchase.
We were going to get a OIP from Skipton this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Skipton recommend any Newington solicitors on the Skipton conveyancing panel, or is it better to go independently?
You will need to appoint Newington solicitors independently although you'll need to choose one on the Skipton conveyancing panel. The solicitor represents both you and Skipton through the process.
I have today made my last payment due on my mortgage with Clydesdale. I assume I don't need a Newington conveyancer on the Clydesdale panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Clydesdale 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 Clydesdale mortgage from the register. Clydesdale, 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 Clydesdale has sent the Land Registry the discharge electronically, and
- Clydesdale has instructed the Land Registry to do so
I have todayfound out that Stirling Law have been shut down. They carried out my conveyancing in Newington for a purchase of a leasehold flat 18 months ago. How can I check that my home is in my name in the name of the previous owner?
The quickest way to see if the property 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 Newington conveyancing specialists.
As co-executor for the estate of my grandmother I am selling a property in Monmouth but reside in Newington. My lawyer (based 235 miles awayrequires that I sign a statutory declaration before completion. Could you suggest a conveyancing practitioner in Newington who can witness this legal document for me?
strictly speaking you are unlikely to need to have the documents witnessed by a conveyancing solicitor. Normally or notary public or solicitor will be fine regardless of whether they are Newington based
My wife and I are in the market for a dependable conveyancing lawyer in Newington to help me sell my home. I want to avoid being ripped off but with so many Newington conveyancing solicitors out there...how do I know which one is best to appoint?
If you have never instructed a solicitor previously, a personal recommendation from family or friends is a great place to start and is often the best barometer of quality. As an alternative option, consult the Law Society’s online list of lawyers in Newington or use our search tool to choose a conveyancing solicitor in Newington.