We are approaching an exchange on a flat in Swinton and my mum and dad have transferred the ten percent deposit to my solicitor. I am now informed that as the deposit has been sent from someone other than me my conveyancing practitioner needs to make a notification to my bank. I am advised that, in also acting for the mortgage company he must inform them that the balance of the purchase price is not just from me. I disclosed to the lender concerning my parents' contribution when I applied for the mortgage, so is it really necessary for him to raise this?
Your conveyancing practitioner is legally required to check with mortgage company to make sure that they know that the balance of the purchase price is not from your own funds. Your solicitor can only notify this to your lender if you agree, failing which, your lawyer must cease to continue acting.
It is a dozen years since I acquired my house in Swinton. Conveyancing lawyers have recently been appointed on the sale but I am unable to track down my title deeds. Is this a problem?
You need not be too concerned. First there is a chance that the deeds will be kept by your mortgage company or they could still be with the conveyancers who acted in your purchase. Secondly in most cases the property will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing solicitors acquiring current official copies of the land registers. Nearly all conveyancing in Swinton relates to registered property but in the unlikely event that your property is unregistered it adds to the complexity but is not insurmountable.
My property lawyer in Swinton is not listed on the Britannia Conveyancing Panel. Can I still continue with my prefered solicitor notwithstanding that they are excluded from the Britannia panel of approved conveyancing solicitors?
Your options are as follows:
- Complete the purchase with your existing Swinton solicitors but Britannia will need to instruct a solicitor on their panel. This will result in additional total legal charges as well as cause delays.
- Get a new lawyer to to deal with the purchase, remembering to check they are on the Britannia panel
Is it possible to switch firm as I have to instruct a firm on the Leeds Building Society conveyancing list. I was using a local conveyancing solicitor in Swinton five minutes from me but he is not approved by Leeds Building Society
It would be our pleasure to assist you select a conveyancing solicitor in Swinton on the Leeds Building Society panel. Please note that the property lawyers that we work with do not pay us a referral fee if you instruct them and are regulated by the SRA who regulate all conveyancing solicitors in Swinton. In utilising search facility on this page, you can scrutinise costs for conveyancing solicitors in Swinton and throughout England and Wales.
I am using a search engine for the phrase cheap conveyancing in Swinton it reveals numerous solicitorsin the vicinity. How do I determine which is the suitable property lawyer for purchase transaction?
The best method of choosing a suitable conveyancer is via personal referral, so seek the guidance of colleagues and those you trust who have purchased a property in Swinton or a reputable estate agent or financial adviser. Charges for conveyancing in Swinton differ, so it's sensible to request at least four estimates from varying types of property lawyers. Make sure that you clarify that the charges are guaranteed not to rise.
Why am I unable to complete my conveyancing in Swinton on Easter Monday?
Because on completion the money needs to pass between the banks of the buyer and owner’s lawyer and currently this can only take place on a working day. It is not possible to complete on a saturday or sunday either.