Do banks and building societies provide you with an approved list of Silsworth conveyancing solicitors? How do you know who is on the Skipton conveyancing panel?
Silsworth conveyancing firms themselves provide us confirmation that they are on the Skipton conveyancing panel as opposed to being supplied with a list from Skipton directly.
My conveyancer has informed me that breach of easement insurance is required on my purchase. What is the typical level of cover needed for conveyancing in Silsworth?
The right level of breach of easement indemnity insurance depends on your lender. It would differ for example between Halifax and Chelsea Building Society. Conveyancing practitioners as opposed to borrowers take out such insurances.
I'm the single recipient of my late grandmother’s will with all property in now in my sole name, including the house in Silsworth. The Silsworth property was put into my name in February. I plan to dispose of the property. I do know about the Mortgage Lenders 6 month 'rule', meaning my proprietorship will be regarded the same way as if I'd bought the property in February. Do I have to wait 6 months to sell?
The CML handbook requires conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you could be caught by that. Some banks would take a sensible view as this obligation principally exists to identify subsales or the quick reselling of properties.
I have today made my last payment due on my mortgage with Co-operative. I assume I don't need a Silsworth conveyancing practitioner on the Co-operative panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Co-operative 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 Co-operative mortgage from the register. Co-operative, 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 Co-operative has sent the Land Registry the discharge electronically, and
- Co-operative has instructed the Land Registry to do so
I used Stirling Law several years ago for my conveyancing in Silsworth. Now, I need my documents however the law firm is no longer operating. What do I do?
Do call the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Silsworth of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
Yesterday I discovered that there is a flying freehold issue on a property I put an offer in a fortnight ago in what should have been a simple, no chain conveyancing. Silsworth is where the house is located. Is there any advice you can give?
Flying freeholds in Silsworth are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Silsworth you must be sure that your lawyer goes through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Silsworth may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
I need to instruct a conveyancing practitioner in Silsworth for my house move. Can I check a firm’s complaints history with the legal regulator?
Members of the public can see published Solicitor Regulator Association (SRA) determinations arising from inquisitions from 2008 onwards. Visit Check a solicitor's record. For information Pre 2008, or to check a firm's history, telephone 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For callers outside the UK, dial +44 (0)121 329 6800. The SRA could monitor call for training requirements.
I have today placed an offer on an apartment in Silsworth and the estate agent that we are using recommended his lawyer. They quoted £1000 excluding VAT and 3rd party costs. Does this sound reasonable?
You should not rely on one estimate. One should obtain like-for-like quotes for your conveyancing in Silsworth. Then pick one that you trust and crucially, is on the approved panel of the bank that you have applied for a mortgage from.