Can the conveyancing lawyers that you recommend conduct attended exchange conveyancing in Wantage?
There are a few conveyancing experts who can conduct one day exchanges. Do contact us to obtain a costs illustration and details as to dates.
We're in Wantage, First timers buying with a mortgage (lender is Clydesdale , and our solicitor is on the Clydesdale conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Clydesdale conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancing practitioner should guarantee a timeframe for your conveyancing, due to third parties outside of your control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain.
My partner and I are downsizing from our house in Wantage and according to the buyers it appears that there is a possibility that the property was built on contaminated land. A local conveyancer would know this is not the case. For the life of me I don't know why the purchasers used an online conveyancing outfit as opposed to a conveyancing solicitor in Wantage. Having lived in Wantage for six years we know that this is a non issue. Is it a good idea to contact our local Authority to get confirmation that there is no issue.
It sounds as though you may have a conveyancing solicitor currently acting for you. What do they say? You should check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same sickness)
I am purchasing my first flat in Wantage with a mortgage from Accord Mortgages Ltd. The sellers refused to budge the amount so I negotiated five thousand pounds worth of additionals instead. The estate agent advised me not reveal to my solicitor about the extras as it could jeopardize my loan with Accord Mortgages Ltd. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder 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.
Am I right to be wary that estate agents that I am dealing with are encouraging me to use a national conveyancing firm as opposed to a High Street Wantage conveyancing company?
As with lots of service providers, often recommendations from connections can be worth their weight in gold. Yet there are lots of parties with a vested interest in a conveyancing deal; estate agents, financial adviser and lenders might all recommend conveyancers to use. Sometimes these solicitors might be known to one of the organisations as being good in their field, but sometimes there might be a financial incentive behind the endorsement. You have the discretion to choose your preferred conveyancer. Don't forget that many banks specify a panel list of lawyers you are obliged to use for the lender related work in your home move.
Should I cancel my mortgage payments with Skipton once a completion date for my home sale in Wantage has been set?
You are best advised to keep paying any mortgage sums to Skipton until the mortgage is discharged on completion as part of your Wantage conveyancing.