Finally, a mortgage agreement from Santander for the remortgage of my single room apartment is to be issued imminently. Could you suggest a cheap conveyancing practitioner in Radstock?
You are on the wrong site if you are seeking a cheap conveyancing in Radstock. We can offer you cost effective conveyancing but we do not aim to work with the cheapest lawyers. Avoid the trap of appointing brokers offering the bait of ninety nine pound conveyancing in Radstock. Optimistically, in choosing a lawyer for low cost conveyancing, you will get your money’s worth and at worst you will end up paying a lot in extras and still not receive the service expected.
Two weeks ago we had a mortgage agreed in principle with Skipton. Radstock conveyancing lawyers were chosen. What is the average time that one could expect to receive a mortgage offer from Skipton?
There is no definitive answer here. Have Skipton done the valuation? Have you advised Skipton as to your lawyers' details and checked that your lawyers are on the Skipton conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I am currently in the process of buying my council flat in Radstock. I have a mortgage agreed with Lloyds. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Lloyds, you will need to appoint a solicitor on the Lloyds conveyancing panel.
The formalities of my purchase has taken place for my property in Radstock. Conveyancing was satisfactory but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?
Most banks and building societies have complaints procedures. Your first point of contact 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 very quickly. 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.
I moved into my house on 12 October and the transaction details are still not on the land registry website. Should I be concerned? My conveyancing solicitor in Radstock expressed confidence that it would be registered inside ten days. Are transfers in Radstock particularly slow to register?
There is nothing unique about conveyancing in Radstock registration formalities. As opposed to being determined by geographic area, timescales can vary depending on the party submitting the application, whether there are errors and if the Land registry must send notices to any 3rd persons or bodies. As of today roughly 80% of submission are completed within two weeks but some can be subject to extensive delays. Historically registration is effected after the buyer has moved in to the premises thus 'speed' is not typically top priority yet if there is a degree of urgency associated with the registration then you or your conveyancer should communicate with the Registry to express the reasoning for the application to be prioritised.
I am looking for a leasehold apartment up to £245,000 and identified one near me in Radstock I like with amenity areas and railway links nearby, the downside is that it's only got 49 years on the lease. I can't really find anything else in Radstock in this price bracket, so just wondered if I would be making a mistake acquiring a lease with such few years left?
If you require a home loan the shortness of the lease will be a potential deal breaker. Reduce the offer by the amount the lease extension will cost if it has not already been discounted. If the existing owner has owned the premises for at least twenty four months you can request that they start the process of the extension and then assign it to you. An additional ninety years can be extended on to the current lease with a zero ground rent applied. You should consult your conveyancing lawyer regarding this.
Taking into account that I am about to part with hundreds of thousands of pounds on a property in Radstock I would like to have a conversation with the solicitor about mytransaction prior to instructing the firm. Can this be arranged?
We could not agree more - it is our preference to talk to you we do not take any clients on without you liaising with the solicitor due to be doing your conveyancing in Radstock.There is no ‘factory style conveyancing’ - every client is an important individual, not a matter number. The practices that we put you in touch with believe that the figure you are calculated and presented to you for residential conveyancing in Radstock should be the figure that you are charged.
I have been sourcing a conveyancing solicitor in Radstock for my sale. Is there any facility to review a solicitor's complaints history with the profession’s regulator?
Members of the public can review published Solicitor Regulator Association (SRA) decisions stemming from inquisitions commenced on or after 1 January 2008. Go to Check a solicitor's record. For information Pre 2008, or to check a firm's record, ring 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For callers outside the UK, use +44 (0)121 329 6800. The SRA could recorded telephone calls for training purposes.