We are buying a house and require a conveyancing solicitor in North Somerset who is on the Barclays solicitor panel. Can you recommend a local solicitor?
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 solicitor has informed me that chancel insurance is necessary on my purchase. What is the level of cover for North Somerset conveyancing?
The right level of chancel indemnity insurance should be dictated by who who your lender is. It would differ for example between HSBC Bank and Leeds Building Society. Conveyancing lawyers as opposed to borrowers take out such policies.
How can we know in advance if a North Somerset conveyancing solicitor on the Clydesdale panel is any good?
When it comes to conveyancing in North Somerset getting recommendations is a sensible start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one advertising the lowest fees. We would always advise that you speak with the solicitor carrying out your conveyancing.
The formalities of my remortgage has taken place for my property in North Somerset. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
All banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Team at head office. In most cases complaints to a lender are sorted out effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
We are downsizing from our home in North Somerset and according to the buyers it appears that there is a risk of it being constructed on contaminated land. A local lawyer would know this is not the case. It does beg the question why the purchasers instructed a web based conveyancing outfit as opposed to a conveyancing solicitor in North Somerset. We have lived in North Somerset for six years we know of no issue. Do we contact our local Authority to get clarification that the buyers are looking for.
It would appear that you have a conveyancing lawyer currently acting for you. Are they able to advise? You should enquire of 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 life insurance to cover that same sickness)
I'm purchasing a new build house in North Somerset with a mortgage from Clydesdale. The builders would not move on the amount so I negotiated 6k of fixtures and fittings instead. The sale representative advised me not reveal to my solicitor about the side-deal as it would put at risk my loan with the bank. Is this normal?.
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 CML website. CML 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.
I opted to have a survey completed on a house in North Somerset ahead of instructing conveyancers. I have been told that there is a flying freehold overhang to the house. Our surveyor advised that some mortgage companies will refuse to issue a mortgage on such a home.
It depends who your proposed lender is. HSBC has different instructions from Halifax. Should you wish to call us we can investigate further via the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in North Somerset. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in North Somerset to see if the conveyancing costs will increase in light of this.
My partner has recommend that I appoint his conveyancing solicitors in North Somerset. Should I choose my own solicitor?
No doubt it’s preferable to find a conveyancing solicitor is to seek referrals from friends or relatives who have experience in using the firm that you are considering.