As a FTB what is the most important advice you can give me about purchase conveyancing in Westbourne?
You may not hear this from too many lawyers but conveyancing in Westbourne and elsewhere in England and Wales is often a confrontational process. Put another way, when it comes to conveyancing there is lots of opportunity for friction between you and others involved in the transaction. For instance, the vendor, property agent and on occasion a bank. Choosing a solicitor for your conveyancing in Westbourne should not be taken lightly as your conveyancer is your adviser, and is the ONE person in the process whose responsibility is to protect your best interests and to keep you safe.
Every so often a third party with a vested interest may attempt to convince you that it is in your interests to do things their way. For instance, the selling agent may claim to be helping by claiming that your lawyer is slow. Or your financial adviser may advise you to do something that is contrary to your lawyers guidance. You should always trust your lawyer above all other parties in the conveyancing process.
I am buying a terraced house in Westbourne. How practical is it for me to do the conveyancing?
Leaving aside the complexities and merits of DIY conveyancing in Westbourne you will have to appoint a solicitor on your mortgage company's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Westbourne.
Do I choose a Licenced Conveyancer or Solicitor for conveyancing in Westbourne?
There are many recorded licenced Conveyancers in Westbourne and Solicitor partnerships in Westbourne to choose from We would stress that both are supervised by regulatory bodies with both specialising in the legal work in transferring property. They may both also deal with associated property related work such as remortgage conveyancing, enfranchisement and transfer of equity conveyancing.
I am currently in the process of buying my council flat in Westbourne. I have a mortgage agreed with Bank of Ireland. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have 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 Bank of Ireland, you will need to appoint a solicitor on the Bank of Ireland conveyancing panel.
Having read lots of house buying guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Westbourne solicitor - who is on the Aldermore conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Aldermore will need an independent valuation of the property. Your lawyer will not arrange this. Usually Aldermore will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your property lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Westbourne postcode. As you are getting a mortgage with Aldermore, you could contact them to see if they have a list of approved surveyors in Westbourne.
How does conveyancing in Westbourne differ for newly converted properties?
Most buyers of new build premises in Westbourne contact us having been asked by the developer to exchange contracts and commit to the purchase even before the house is constructed. This is because builders in Westbourne tend to purchase the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Westbourne or who has acted in the same development.
I need to retain a conveyancing solicitor for leasehold conveyancing in Westbourne. I have stumble upon a web site which looks to be the ideal answer If it is possible to get all formalities done via phone that would be preferable. Do I need to be wary? What should out be looking out for?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?
Me and mywife and I are in the market for an affordable conveyancing solicitor in Westbourne to assist me in selling my place. I really don't want to get ripped off but with various Westbourne conveyancing organisations out there...who do I opt for?
A trustworthy personal recommendation via a person who has used a conveyancing solicitor before is no doubt a preferable. You are bound to know someone who has used a conveyancing lawyer in the past. Do use our tool to compare Westbourne conveyancing quotes