When can the exchange of contracts take place for domestic conveyancing in Thornton Heath and do I need to be at the conveyancers branch?
If you are near to our conveyancing solicitors in Thornton Heath you are invited in to sign documents. However, the law practices we recommend supply a countrywide conveyancing service and provide as equally comprehensive and professional a job for you when dealing with you digitally. The executing of the purchase agreement is not when everything is set in stone. Signing on the dotted line simply enables the firm to exchange contracts when the time is right, which is ordinarily shortly after signing. The exchange process is is usually a five minute process, although where a lengthy "chain" is in play, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Thornton Heath)to be in the office available at the end of the phone to exchange contracts.
We wanted to use a property lawyer in Thornton Heath for our house move. Our broker has since notified us that our bank Virgin Money won't deal with them. Surely this is unfair competition?
Pre- 2008 most lenders had a different appetite for risk. Almost all Thornton Heath conveyancing firms would have been on many lender panels. The FSA in 2010 conducted a thematic review into mortgage fraud which concluded: mortgage lenders should know the conveyancing solicitors dealt with. Consequently, lenders have regularly sought more data from law firms concerning their operations and their employees and establishing certain criteria such a completing on a minimum volume of transactions. Many Thornton Heath conveyancing firms that have been excluded from lender panels have Unblemished track record, no complaints and no claims and didn't just 'dabble' in conveyancing. Thornton Heath is one of the thousands of locations where the lawyers we list are are approved Virgin Money.
I am assisting my mother sell her property in Thornton Heath. Does the conveyancer arrange the energy assessment or do I organise this?
Following the abolition of HIPs, EPC’s remained a compulsory part of selling a property. An energy assessment should be to hand before the property is marketed. This is not a task that law firms ordinarily arrange. If you are using a Thornton Heath conveyancing lawyer they might be willing to arrange energy performance certificates given their relationships with reputable Thornton Heath providers
How can we know in advance if a Thornton Heath conveyancing solicitor on the UBS panel is any good?
When it comes to conveyancing in Thornton Heath getting recommendations is a sensible start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always advise that you speak with the solicitor handling your conveyancing.
I have a mortgage with Bank of Ireland for my property in Thornton Heath. Conveyancing was finalised some time ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Bank of Ireland?
Bank of Ireland must be informed of your intention prior to letting out your property as this is likely to be a breach of Bank of Ireland’s mortgage conditions. It may be that Bank of Ireland will allow you to rent 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. It should not be necessary to do this via a Bank of Ireland conveyancing panel solicitor.
I used Wolstenholmes several years ago for my conveyancing in Thornton Heath. Now, I need my files but the law firm has closed. What do I do?
You should call the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Thornton Heath of the conveyancing firm of solicitors you previously hired, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
Are there any apps to help locate a Thornton Heath law firm on the Godiva Mortgages Ltd conveyancing panel? I have a car and am prepared to travel upto 25miles to meet the lawyer.
You can use the facility on this page. Please select a bank and your location and you will see a number of Thornton Heath conveyancing lawyers located nearest you. We have listed some Thornton Heath conveyancing firms at the bottom of this page and you can telephone them to verify if they are on the Godiva Mortgages Ltd approved list
Should I appoint a Thornton Heath conveyancing practitioner in close proximity to the house I am hoping to buy? We have a good friend who can deal with the legal work but they are based over three hundred miles away.
The benefit of a high street Thornton Heath conveyancing practice is that you can attend the office to execute documents, deliver your ID and apply pressure on them where appropriate. They will also have local intelligence which is a plus. That being said it's more important to get someone that will do a good and efficient job. If if people you trust used your friend and the majority were happy that must outweigh using an unfamiliar Thornton Heath conveyancing lawyer solely due to them being Thornton Heath based.