Would the conveyancing solicitors that are recommend conduct auction conveyancing in Redditch?
We know of a number of niche practitioners we can put you in touch with those specialising in auction conveyancing. Redditch is just one of our areas of in which our lawyers have a presence.
We see that you have a search directory listing solicitors on the Coventry BS conveyancing panel. Do firms pay you a commission if I instruct them for our own conveyancing in Redditch?
We are a listing service only for law firms wishing to communicate if they are on the Coventry BS conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Redditch.
Does a directory service exist listing Yorkshire BS panel conveyancers in Redditch on the Building Society Association’s Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. A small selection of mortgage companies make their panel listings viewable online. Where you are in need of a Redditch lawyer on the Yorkshire BS please use our tool.
We previously chose conveyancing lawyers located in Redditch on the HSBC solicitor approved list. They have just invoiced me a supplemental amount for the legal aspects of the HSBC mortgage. Is this a supplemental conveyancing fee specified by HSBC?
As unfair as it may appear, as long as it’s in their Terms of Engagement or Quote then yes your conveyancing practitioner is entitled to levy a fee for this. The fee is not set by HSBC but by your Redditch conveyancing practitioner. Numerous firms on the HSBC panel will quote ’dealing with mortgage’ fee and others do not.
I can not work out if my bank requires a lease extension. I have called into my local Redditch building society branch on numerous occasions and was told they are content with the situation and they will lend. My Redditch conveyancing solicitor - who is on the bank conveyancing panel- called to say that they will not lend based on their published requirements. Who do I believe?
As long as the conveyancer is on the lender approved list, they must comply with the Council of Mortgage Lenders’ Handbook provisions for the bank. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years remaining.
My wife and I have a semi-detached Georgian house in Redditch. Conveyancing practitioner acted for me and Aldermore. I did a free Land Registry search last week and there are two entries: the first freehold, the second leasehold under the exact same address. Is it worth asking Aldermore to clarify?
You should read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Redditch and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with lenders. You can also check the situation with the conveyancing lawyer who conducted the conveyancing.
I am purchasing a new build house in Redditch benefiting from help to buy. The sellers would not reduce the price so I negotiated £7000 of fixtures and fittings instead. The house builders rep advised me not reveal to my lawyer about the side-deal as it would affect my loan with the lender. Do I keep my lawyer in the dark?.
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.
My father-in-law has encouraged me to appoint his conveyancers in Redditch. Should I find my own conveyancer?
Much as we are happy to recommend a Redditch conveyancing lawyer the ideal way to choose a conveyancing solicitor is to seek referrals from friends or relatives who have used the firm you're contemplating using.