My financial adviser has asked me for my Thornbury lawyer’ panel member for the Santander conveyancing panel. What is the best way to obtain this. I have called my local Thornbury branch but they don't know it.
You are best placed to get this information from your Thornbury lawyer . They keep a central record lender panel numbers.
Just acquired a detached house in Thornbury , What is the estimated time for the Land Registry to register my title? My Thornbury conveyancing solicitor has been painfully slow, so I want to be sure that my ownership is registered.
As far as conveyancing in Thornbury registration is no faster or slower than the rest of England and Wales. Rather than based on location, timescales can adjust subject to the party submitting the application, whether there are errors and if the Land registry communicate with any interested parties. Currently in the region of 80% of such applications are completed within 12 days but occasionally there can be protracted hold-ups. Historically registration occurs once the new owner has moved in to the property so registration formalities is not usually an essential issue but where it is urgent that the the registration takes place urgently then you or your solicitor can contact the land registry and explain the circumstances.
I am purchasing my first flat in Thornbury with a loan from Birmingham Midshires. The sellers would not reduce the amount so I negotiated five thousand pounds worth of fixtures and fittings instead. The house builders rep advised me not disclose to my solicitor about the deal as it may adversely affect my loan with the bank. Is this normal?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I've recently found out that there is a flying freehold issue on a house I put an offer in two weeks back in what should have been a quick, chain free conveyancing. Thornbury is the location of the property. Is there any guidance you can give?
Flying freeholds in Thornbury are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Thornbury you must be sure that your lawyer goes through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Thornbury 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 property.
I'm refinancing my primary property to a buy to let loan with HSBC Bank and intend to use the remaining equity as a deposit on a second property. The location we are interested in is Thornbury. Will your lawyers be able to act for the two lenders and link together the conveyances?
Do use our search tool on this page to check that the solicitors are approved by both mortgage companies. Assuming that they are your lawyer will be able to tie up the two deals but you should talk with you lawyer and make apparent your expectations and needs.
My uncle has encouraged me to use his lawyers for conveyancing in Thornbury. Do I take his advice?
There are no two ways about it the ideal way to select a conveyancing solicitor is to seek referrals from friends or relatives who have experience in using the conveyancer that you are are thinking of instructing.