Can the conveyancing lawyers that you recommend execute attended exchange conveyancing in St James's?
We do have a number of conveyancing specialists carrying out personalised exchanges. You should call us to get a costs illustration and details as to dates.
It is a dozen years since I purchased my home in St James's. Conveyancing lawyers have recently been retained on the sale but I am unable to track down the deeds. Is this a major issue?
You need not be too concerned. Firstly there is a chance that the deeds will be kept by the lender or they may stored with the lawyers who handled your purchase. Secondly in all probability the title will be registered at the land registry and you will be able to prove you own the property by your conveyancing solicitors obtaining up to date copy of the land registers. Almost all conveyancing in St James's involves registered property but in the rare situation where your property is not registered it is more problematic but is not insurmountable.
My bank has suggested solicitors on their panel based in St James's but I would rather choose a conveyancing lawyer in St James's local to me. Can you help?
It is by no means the case that all St James's conveyancing firms are listed all lender’s conveyancing panel. Please make the most of our search tool to locate a St James's conveyancing conveyancer on the on the lender panel.
is it true that all St James's solicitors on the Coventry BS conveyancing panel are overseen by the SRA?
As a firm of solicitors, in order to be on the Coventry BS conveyancing panel they would need to be overseen by the SRA. Some banks do list licenced conveyancers on their panel and in such a situation the firms would be overseen by the Council of Licensed Conveyancers.
We previously instructed conveyancing lawyers based in St James's on the HSBC solicitor panel. They have just invoiced me a supplemental charge for handling the HSBC mortgage. Is this an additional conveyancing fee specified by HSBC?
Unfortunately, so long as it is in their Terms and Conditions or estimate then yes your solicitor can charge a fee for this. This fee is not dictated by HSBC but by your St James's conveyancing practitioner. Some firms on the HSBC panel will levy an ‘acting for lender’ fee and others do not.
I have a mortgage with Bank of Ireland for my property in St James's. Conveyancing has been completed 12 months ago. Should I wish to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Bank of Ireland?
Your original mortgage agreement with Bank of Ireland will provide that you need their approval in advance of letting out your property as this is likely to be a breach of Bank of Ireland’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Bank of Ireland directly. You need not do this via a Bank of Ireland conveyancing panel solicitor.
I am one month into a freehold purchase having been directed to solicitors by the local agent to execute conveyancing in St James's. I am am extremely frustrated with the quality of service. Could you help me find new solicitors?
A solicitor would need to be really bad in order to consider replacing them. Has the loan offer been issued? In the event that it has you must make them aware of the new contact details and get the mortgage documents are re-sent. Your new conveyancer needs to be on the mortgage company approved list to avoid added costs and delays. So that should be your starting point. The find a solicitor tool can assist you in finding a lender approved conveyancer for your home move in St James's
I am purchasing a flat mortgage free. My lawyer has been handed with two separate proof of photographic ID, bank statement, endless utility bills. Now he requires a copy from a probate lawyer advising that the funds are in order and that it has come from inheritance and not selling fake watches.
In today’s world you will not be able to complete any St James's conveyancing transaction without first providing evidence of your identity to your lawyers. This usually takes the form of a either your passport or driving licence and a utility bill. Remember if you are providing your driving licence as evidence of ID it must be both the paper part and photo card part, one is not acceptable without the other. Establishing of your source of funds is required under Money Laundering laws.