Can your site be used to find a Conveyancing solicitor in Stourbridge even where I’m not buying or selling a house, for example if I intend to acquire a shop in Stourbridge with a loan from Bank of Ireland?
Our comparison service is mainly utilised to select domestic conveyancing solicitors in Stourbridge but we have recorded at the end of this page a few Stourbridge commercial conveyancing firms. You should enquire with the firm directly to check if they are also authorised to represent Bank of Ireland
My wife and I have recently appointed a conveyancing solicitor in Stourbridge. I I would like to check if they are accepted on the Accord Mortgages Ltd approved list of lawyers. Could you or the lender confirm if they are on the panel?
You should phone your conveyancer and ask them if they are on the lender panel. Alternatively please call Accord Mortgages Ltd who may be able to confirm.
When it comes to mortgage companies such as TSB, do Stourbridge solicitors incur a yearly amount to be on the list of approved solicitors?
We are unaware of any bank fees to register on their panel, although some do levy an administration charge to deal with the processing of the conveyancing panel submission.
We previously selected solicitors located in Stourbridge on the Virgin Money solicitor panel. They have just invoiced me an additional fee for dealing with the Virgin Money mortgage. Is this an additional conveyancing fee set by Virgin Money?
As unfair as it may seem, as long as it’s in their Terms and Conditions or Quote then yes your conveyancer can levy a fee for this. The fee is not set by Virgin Money but by your Stourbridge property lawyer. Some firms on the Virgin Money panel will levy ’dealing with mortgage’ fee but many firms incorporate it on their overall fee.
Santander have agreed my home loan in principle, my offer on a flat in Stourbridge has been accepted, what are the next steps?
The estate agent will need to know who your solicitors are (make sure the conveyancers are on the lender’s approved list). Call up Santander or your financial adviser and finish off any relevant paperwork. Santander will appoint a valuer who will get in contact with the estate agent or owners to schedule a time for the valuation to happen. Once carried out (assuming no problems) it takes about a fortnight for the mortgage offer to be issued. Santander will send the offer to you and your solicitors. The legal work will then take it’s course according the nature and complexity of the conveyancing in Stourbridge.
How does conveyancing in Stourbridge differ for new build properties?
Most buyers of new build property in Stourbridge contact us having been asked by the developer to exchange contracts and commit to the purchase even before the residence is ready to move into. This is because house builders in Stourbridge usually 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 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 Stourbridge or who has acted in the same development.
I've recently found out that there is a flying freehold element on a house I put an offer in a fortnight ago in what was supposed to be a quick, chain free conveyancing. Stourbridge is where the house is located. Can you offer any advice?
Flying freeholds in Stourbridge are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Stourbridge you would need to get your solicitor to go 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 Stourbridge may ascertain 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.
A conveyancing company handled my conveyancing in Stourbridge half a dozen years past and was holding my title documents but has since been shut down – how do I get hold of them?
Deeds, as such, are no longer appropriate for the majority of properties in Stourbridge are registered electronically at Land Registry. Should you need to establish evidence of proprietorship or are selling or refinancing your conveyancing practitioner can obtain up to date copies of the register from the Land Registry in any case.
If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned with reasonable haste.