We are looking to buy a house and need a conveyancing solicitor in North Somerset who is on the Barclays conveyancing panel. Could you point me in the right direction as regards a conveyancing firm?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Barclays . We don't recommend any particular firms conducting conveyancing in North Somerset.
My grandmother passed away six months ago and as sole heir and executor I was left the house in North Somerset. The house had a relatively small loan left on it of around £8000. I want to have the title changed into my name whilst I re-mortgage to TSB, pay off the mortgage. Is this possible?
If you intend to refinance then TSB will require that you use a conveyancer on the TSB conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your TSB conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the TSB mortgage is registered as a charge at the Land Registry.
Various web forums that I have frequented warn that are the number one cause of obstruction in North Somerset house deals. Is there any truth in this?
The Council of Property Search Organisations (CoPSO) published findings of a review by MoveWithUs that conveyancing searches do not feature amongst the most frequent causes of delays in the conveyancing process. Local searches are not likely to be the root cause of delay in conveyancing in North Somerset.
I'm purchasing a new build house in North Somerset with the aid of help to buy. The sellers would not budge the amount so I negotiated £7000 of fixtures and fittings instead. The estate agent suggested that I not reveal to my solicitor about the side-deal as it could impact my mortgage with the bank. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the UK Finance website. UK Finance form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Due to the encouragement of my in-laws I had a survey completed on a property in North Somerset prior to instructing solicitors. I have been advised that there is a flying freehold overhang to the property. The surveyor has said that some mortgage companies tend refuse to grant a loan on this type of property.
It depends who your proposed lender is. Santander has different instructions for example to Birmingham Midshires. If you contact us we can look into this further via the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in North Somerset. Conveyancing will be smoother if you use a solicitor in North Somerset especially if they regularly deal with such properties in North Somerset.
My husband and I are first time buyers - agreed a price, yet the property agent told us that the seller will only issue a contract if we instruct the agent's chosen conveyancers as they are insisting on an ‘expedited deal’. My instinct tells me that we should use a high street conveyancer accustomed to conveyancing in North Somerset
We suspect that the owner is not behind this ultimatum. If they require ‘a quick sale', taking such a hostile approach to a serious purchaser is likely to cause more damage than good. Speak to the vendors direct and explain that (a)you are keen to buy (b)you are excited to move forward, with finances arranged © you are unencumbered (d) you wish to move quickly (e)but you will continue to instruct your own,trusted North Somerset conveyancing firm - rather thanthe ones that will provide the negotiator at the agency a commission or hit his conveyancing targets demanded by HQ.