I am obtaining a offer of a home loan from Halifax. I intend to employ the services of a Licensed Conveyancer in Spalding. Does the Halifax Solicitor panel allow for conveyancers regulated by the CLC?
The Halifax conveyancing panel is, like many other lenders, associated to the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
We're in Spalding, First time buyers buying with a mortgage (lender is Yorkshire BS , and our lawyer is on the Yorkshire BS conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Yorkshire BS conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancing practitioner should guarantee a timeframe for your conveyancing, due to third parties outside of your control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain.
I am aiming to move house in December. Does my conveyancing solicitor call the removal company on the completion day. Incidentally, can you recommend a removal company in Spalding. Conveyancing solicitor was organised before I stumbled across this website.
On the afternoon of completion you will need to collect the house keys from your estate agent but this can only occur once the vendors solicitors confirm to the agent that they acknowledge receipt of the completion payment and the keys can be passed over. Subsequently you should advise the removal men that you are ready to move in. As a matter of policy we do not recommend a particular removal organisation but can assist you in locating a conveyancing in Spalding or a legal practice with expertise in conveyancing in Spalding.
is it true that all Spalding solicitor firms on the Principality conveyancing panel are overseen by the Solicitors Regulatory Authority?
As a firm of solicitors, in order to be on the Principality approved list of solicitors they would need to be regulated by the Solicitors Regulatory Authority. The majority of banks do allow licenced conveyancers on their panel and in such a situation the organisation would be governed by the CLC.
I've read lots of house buying guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Spalding solicitor - who is on the Skipton conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Skipton will need an independent valuation of the property. Your lawyer will not arrange this. Usually Skipton will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your conveyancing practitioner will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Spalding postcode. As you are getting a mortgage with Skipton, you could contact them to see if they have a list of approved surveyors in Spalding.
I have recentlyfound out that Action Conveyancing have closed. They conducted my conveyancing in Spalding for a purchase of a leasehold flat 12 months ago. How can I check that the property is registered correctly in the name of the previous owner?
The quickest method to check if the premises is in your name, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Spalding conveyancing specialists.
How does conveyancing in Spalding differ for new build properties?
Most buyers of new build or newly converted property in Spalding approach us having been asked by the developer to sign contracts and commit to the purchase even before the property is built. This is because house builders in Spalding tend to purchase the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Spalding or who has acted in the same development.
We're first time buyers - agreed a price, but the estate agent advised that the vendor will only go ahead if we appoint their chosen solicitors as they are insisting on an ‘expedited deal’. Our preferred option is to instruct a high street solicitor used to conveyancing in Spalding
It is highly unlikely the owners are driving this. Should the vendor want ‘a quick sale', turning down a motivated buyer is going to damage their objectives. Contact the owners directly and explain that (a)you are keen to buy (b)you are excited to move forward, with finances in place © you have nothing to sell (d) you intend to proceed fast (e)however you are going to appoint your preferred Spalding conveyancing firm - not the ones that will earn the estate agent a kickback or hit his conveyancing figures demanded by senior management.