My flat in St Ives is up for sale and I have a buyer. Will the conveyancing practitioner have to be required to be on the Clydesdale conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the Clydesdale conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently currently.
When it comes to lenders such as Nottingham, do St Ives conveyancing practitioners face a yearly amount to be on the list of approved solicitors?
We are not aware of any lender fees to be on their list of approved firms, although some do levy an administration fee to deal with the processing of the conveyancing panel application.
Can I be sure that the St Ives conveyancing solicitor on the UBS panel is any good?
When it comes to conveyancing in St Ives getting recommendations is a sensible starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one advertising the lowest fees. We would always suggest that you speak with the lawyer carrying out your transaction.
I have decided to exercise my right to buy my property in St Ives off the council. I have a mortgage offer with Nationwide. 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 Nationwide, you will need to appoint a solicitor on the Nationwide conveyancing panel.
I have recentlyfound out that Wolstenholmes have closed. They conducted my conveyancing in St Ives for a purchase of a freehold house 10 months ago. How can I check that my home is not still registered in the name of the former proprietor?
The easiest way to see if the property 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 St Ives conveyancing specialists.
How does conveyancing in St Ives differ for newly converted properties?
Most buyers of new build premises in St Ives contact us having been asked by the builder to exchange contracts and commit to the purchase even before the residence is constructed. This is because builders in St Ives usually buy the site, 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 conveyancers 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 accustomed to new build conveyancing in St Ives or who has acted in the same development.
How do I use your search app to get a quote from a conveyancing lawyer in St Ives on the panel for my mortgage?
1st pick a bank such as Lloyds TSB Bank, Coventry Building Society or Barclays Direct then choose your preferred area such as St Ives. Conveyancing practices in St Ives and across England and Wales will then be listed.
Myself and my husband have recently had an offer agreed on a apartment and had an appointment on Wednesday with HSBC for the mortgage. They advised us that when it comes to choosing a lawyer that unless they are on their approved list of solicitors then we will be subject to an a further fee of about two hundred pounds. This is because they would then have to appoint a property lawyer to act for them as well as the one we choose to act for ourselves and we will be on the hook for their fees. I have asked HSBC to send me with a list so I can obtain quotes only from their approved lawyers but was told that I need to check with each individual solicitor to see if they are on the panel. Is there a list online?
Ask HSBC what their criteria for panel membership is for a conveyancer.Then ask the lawyer of your choice whether they fit that criteria and have they acted on mortgages for HSBC in the past. Where the answer to those is yes, then just double check with HSBC. Alternatively please make use of our search tool and we should be able to find you a conveyancer in St Ives on the approved list for HSBC.