My solicitor has uncovered a a legal deficiency with the lease for the apartment we are buying in Underwood. The seller’s lawyers have put forward defective title insurance as a solution. We are happy with insurance and will cover the costs. Our lawyer has advised that he must ensure that the mortgage company is content with this solution. Who is the client here, us or the lender?
Notwithstanding that you have a mortgage offer from the lender does not mean to say that the property will meet their specifications for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook provisions. You and the bank are the client. The appropriate lender provisions must be adhered to.
I can see plenty of here regarding conveyancing in Underwood but can you isolate your top tip for choosing the right conveyancer in Underwood
We would encourage you not to go for the lowest Underwood conveyancing fees. You really do get what you pay for when it comes to property lawyers. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you know exactly what you’ll have to pay in advance.
I had a mortgage agreed in principle with Coventry BS. Underwood conveyancing practitioners were appointed. What is the average time that one could expect to receive a mortgage offer from Coventry BS?
Some lenders take longer than others. Have Coventry BS conducted the valuation? Have you advised Coventry BS as to your lawyers' details and checked that your lawyers are on the Coventry BS conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I am currently in the process of buying my council flat in Underwood. I have a mortgage agreed with Skipton. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Skipton, you will need to appoint a solicitor on the Skipton conveyancing panel.
I used Stirling Law a few years ago for my conveyancing in Underwood. I now require my file but cannot find the solicitor. 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 Underwood of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
Due to the advice of my in-laws I had a survey completed on a house in Underwood in advance of instructing conveyancers. I have been told that there is a flying freehold overhang to the house. My surveyor has said that some lenders may not grant a loan on this type of house.
It varies from the lender to lender. Santander has different instructions from Halifax. If you call us we can investigate further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Underwood. Conveyancing may be slightly more expensive based on your lender's requirements.
Are there any apps to assist me to locate a Underwood law firm on the Barnsley Building Society conveyancing panel? I have a car and am prepared to travel upto 20miles to meet the lawyer.
Feel free to make use of the search on this page. Please choose the bank and your location and you will see a number of Underwood conveyancing lawyers located nearest you. We have listed some Underwood conveyancing firms at the bottom of this page and you can contact them to check if they are on the Barnsley Building Society approved list
I need to instruct a conveyancing practitioner in Underwood for my purchase. Is there any facility to check a solicitor's complaints history with the profession’s regulator?
Members of the public can review documented Solicitor Regulator Association (SRA) decisions arising from inquisitions from 2008 onwards. Go to Check a solicitor's record. To find records Pre 2008, or to check a solicitors record, call 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For non-uk callers, use +44 (0)121 329 6800. The SRA could recorded call for training reasons.