What is the difference between a licensed conveyancer and conveyancing solicitor in Thorpe Astley
There are two types of lawyers who can carry out conveyancing in Thorpe Astley namely CLC regulated conveyancers or solicitors. The two can handle the legal services that you need to complete the sale or purchase of property. Both are duty bound to carry out Thorpe Astley conveyancing on similar standards and guidelines so you may be safe in the knowledge that your conveyancing will be properly carried out and that the necessary procedures should be accurately adhered to.
I'm in the process of viewing flats in Thorpe Astley and I am about to put in an offer. Is it wise to have my solicitor on ‘stand by’? I am planning to take a home loan with RBS.
It would be sensible to commence your search sooner rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their contact information on to the selling agent. Given that you are getting a mortgage with RBS, make sure you remember to check that your lawyer is on the RBS conveyancing panel.
I recently had an offer agreed on a house in Thorpe Astley. My mortgage broker suggested a lawyer. I paid an advanced payment of £150. Not long after, the property lawyer called me to say that they were not on the Co-operative conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Co-operative panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
We are purchasing a property and the lawyer has raised the issue of Chancel Repair for which the property may be obligated to pay given it’s proximity to the area of such a church. He has suggested insurance. Is this strictly necessary for conveyancing in Thorpe Astley
Unless a previous purchase of the house took place after 12 October 2013 you can assume that conveyancing practitioners delivering conveyancing in Thorpe Astley to continue to advocate a chancel search and or chancel repair liability insurance.
I have a semi-detached Victorian house in Thorpe Astley. Conveyancing lawyer represented me and Yorkshire Building Society. I happened to do a free search for it on the Land Registry database and I saw two entries: the first freehold, another for leasehold with the matching property. Is it worth asking Yorkshire Building Society to clarify?
You should review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Thorpe Astley and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also check the situation with the conveyancing practitioner who conducted the work.
I'm purchasing a new build house in Thorpe Astley benefiting from help to buy. The developers refused to move on the price so I negotiated 6k of fixtures and fittings instead. The house builders rep told me not to tell my lawyer about the extras as it could affect my loan with National Westminster 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.
Do I need to be concerned about brokers that I am dealing with are recommending an online conveyancing firm as opposed to a High Street Thorpe Astley conveyancing practice?
As with lots of service providers, often recommendations from relatives can be extremely useful or valuable. But there are many players in a conveyancing transaction; estate agents, mortgage brokers and lenders might all put forward solicitors to select. Sometimes the conveyancers might be known to one of the organisations as one of the best in their field, but sometimes there is an underlying commercial relationship behind the recommendation. You are free to select your preferred lawyer. Don't forget that many mortgage providers specify a panel list of solicitors you must use for the lender aspect of your house move.
Do online conveyancing companies cover everything a local Thorpe Astley solicitor does or must I retain a solicitor for the final stages for my conveyancing in Thorpe Astley?
Where you use an online conveyancer they will undertake all the work your Thorpe Astley conveyancer will cover.