Recently been in touch with my conveyancing lawyer in Swanage who completed the legal work two years ago requesting a conveyancing estimate based on an identical type of house sale & purchase (a leasehold residence and a freehold premises) of almost identical values with a loan from Coventry Building Society. I am now being quoted twice the amount. Am I right to be tempted to shop around for a cheaper online firm of conveyancing solicitor?
The estimate fees seem a bit high. If you are content to invest time contrasting prices you may be able to reduce the fees marginally by perhaps £100 plus VAT. That being said, if you were happy with the assistance the firm provided you mightlive to regret opting for an an unknown solicitor. Remember to enquire that the conveyancer can also act for Coventry Building Society. Do employ our search tool to choose a Swanage conveyancing firm on the Coventry Building Society approved list of lawyers, which can often include conveyancing solicitors in Swanage.
The Swanage conveyancing firm handling our Swanage conveyancing has uncovered a discrepancy when comparing the surveyor’s assumptions in the home valuation report and what is in the conveyancing documents. My solicitor says that he is obliged to check that the bank is happy with this discrepancy and is content to go ahead. Is my lawyer’s course or action correct?
Your lawyer must comply with the UK Finance Lenders’ Handbook provisions which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
When it comes to mortgage companies such as Santander, do Swanage conveyancers have to pay a fee to be on the list of approved solicitors?
We are unaware of any mortgage company fees to be on their list of approved firms, although some do charge an administration charge to deal with the processing of the conveyancing panel submission.
We previously appointed conveyancing lawyers locally in Swanage on the Yorkshire BS solicitor approved list. They have just invoiced me a further sum for handling the Yorkshire BS mortgage. Is this an additional conveyancing fee set by Yorkshire BS?
Provided it is contained in their Terms and Conditions or Quote then yes your property lawyer is entitled to charge a fee for this. The charge is not set by Yorkshire BS but by your Swanage conveyancer. Numerous firms on the Yorkshire BS panel will charge ’dealing with mortgage’ fee but plenty of firms incorporate it on their overall fee.
After shopping around on the internet I have found a Swanage conveyancer having checked that they are on the Barclays conveyancing panel. Does my lawyer arrange the survey of the property?
Barclays will need an independent valuation of the property. Your lawyer will not arrange this. Usually Barclays 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 Swanage postcode. As you are getting a mortgage with Barclays, you could contact them to see if they have a list of approved surveyors in Swanage.
I am purchasing a house and the conveyancer has mentioned Chancel Repair for which the property may be obligated to pay given it’s proximity to the area of such a church. He has mentioned insurance. Is this really necessary for conveyancing in Swanage
Unless a previous purchase of the premises completed after 12 October 2013 you can assume that conveyancing practitioners handling conveyancing in Swanage to remain recommending a chancel search and or insurance against a claim.
Are there restrictive covenants that are commonly identified during conveyancing in Swanage?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Swanage. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
What tools are available to search for a Swanage law firm on the Barclays Direct conveyancing panel? I am a keen cyclist and am happy to travel upto 25miles to meet the conveyancer.
You can use the search on this page. Please choose the mortgage company and your location and you will see a number of Swanage conveyancing lawyers based on proximity. We have listed some Swanage conveyancing firms towards the end of this page and you can telephone them to check if they are on the Barclays Direct panel