We previously appointed conveyancers with offices in Spennymoor on the HSBC solicitor approved list. They are now charging me a supplemental amount for the legal aspects of the HSBC mortgage. Is this a supplemental conveyancing fee set by HSBC?
Provided it is contained in their Terms of Engagement or estimate then yes your conveyancer can levy a fee for this. This charge is not dictated by HSBC but by your Spennymoor conveyancing practitioner. Plenty of firms on the HSBC panel will quote ’dealing with mortgage’ fee and others do not.
Last month we had a mortgage agreed in principle with Bank of Ireland. Spennymoor conveyancing solicitors are appointed. What is the average time that one could expect to receive a mortgage offer from Bank of Ireland?
There is no definitive answer here. Have Bank of Ireland conducted the valuation? Have you informed Bank of Ireland as to your lawyers' details and checked that your lawyers are on the Bank of Ireland conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
Nationwide have agreed my home loan in principle, my bid on a property in Spennymoor has been accepted, what are the next steps?
Your estate agent will wish to be advised as to your solicitor's details (make sure the conveyancing practitioners are on the bank’s approved list). Call up Nationwide or your financial adviser and complete any relevant documentation. Nationwide will sellect a valuer who will get in contact with the selling agent or seller to book an appointment. Once conducted (assuming no problems) it takes approximately ten days to receive the mortgage offer. Nationwide will issue the offer to you and your solicitors. The transaction will then take it’s course according the nature and complexity of the conveyancing in Spennymoor.
Do commercial conveyancing searches reveal planned roadworks that may affect a commercial property in Spennymoor?
Its becoming the norm that commercial conveyancing solicitors in Spennymoor will execute a SiteSolutions Highways report as it reduces the time that conveyancers spend in sourcing accurate data on highways that impact buildings and development assets in Spennymoor. The search result provides definitive data on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Spennymoor.
For every commercial conveyancing transaction in Spennymoor it is critical to investigate the adoption status of roads surrounding a site. The absence of identifying developments where adoption procedures have not been addressed adequately may result in delays to Spennymoor commercial conveyancing transactions as well as pose a risk to future plans for the site. These searches are not conducted for residential conveyancing in Spennymoor.
I have recentlybeen informed that Arc property Solicitors have been shut down. They carried out my conveyancing in Spennymoor for a purchase of a freehold house 18 months ago. How can I check that the property is not still registered in the name of the former proprietor?
The quickest way to check if the premises is registered to you, 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 Spennymoor conveyancing specialists.
I decided to have a survey done on a house in Spennymoor before appointing lawyers. I have been told that there is a flying freehold aspect to the property. Our surveyor has said that some banks will refuse to grant a loan on a flying freehold house.
It depends who your proposed lender is. HSBC has different instructions from Birmingham Midshires. If you contact us we can check via the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Spennymoor. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Spennymoor to see if the conveyancing will be more expensive.
As co-executor for the will of my uncle I am selling a house in Newport but live in Spennymoor. My lawyer (who is 250 miles from meneeds me to sign a statutory declaration ahead of completion. Could you suggest a conveyancing solicitor in Spennymoor who can attest this legal document for me?
strictly speaking you should not be required to have the documents witnessed by a conveyancing solicitor. Ordinarily or notary public or solicitor will suffice regardless of whether they are Spennymoor based
I have just appointed agents to market my 2 bed flat in Spennymoor.Conveyancing lawyers have not yet been instructed but I have recently had a yearly maintenance charge demand – Do I pay up?
Your conveyancing lawyer is likely to suggest that you should pay the maintenance contribution as usual because all ground rent and service invoices should be apportionedon completion, so you should recover the relevant percentage by the buyer for the period running from after the completion date to the next payment date. Most managing agents will not acknowledge the buyer unless the service charges have been paid and are up to date so it is important for both buyer and seller for the seller to show that they are up to date. This will smooth the conveyancing process