I have a decision in principle. The bank mentioned the loan came with free conveyancing. Is the implication that I have to use their panel solicitor as I would much rather use a Whickham based conveyancing firm?
Do check but the chances are that give you one of their panel lawyers where you take up the "fee-free" incentive. Speak to the bank and explore if they offer you a cash alternative. It is not unheard for a lender to give a £250 cashback as an alternative in which case you could put that amount towards the cost for your conveyancing solicitor near Whickham.
Me and my brother have a 4 bedroom Victorian property in Whickham. Conveyancing practitioner represented me and Barclays . I did a free Land Registry search last week and there are a couple of entries: the first freehold, the second leasehold with the matching property. Is it worth asking Barclays to clarify?
You need to read the Freehold register you have again and check the Charges Register for 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 Whickham and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also enquire as to the situation with your conveyancing practitioner who conducted the work.
Due to the guidance of my in-laws I had a survey completed on a property in Whickham ahead of retaining conveyancers. I have been advised that there is a flying freehold element to the property. The surveyor has said that some lenders may not issue a mortgage on such a premises.
It varies from the lender to lender. Santander has different requirements for example to Halifax. If you e-mail us we can check via the relevant bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Whickham. Conveyancing will be smoother if you use a solicitor in Whickham especially if they are acquainted with such properties in Whickham.
Given that I will soon spend hundreds of thousands of pounds on a garden flat in Whickham I would like to have a conversation with the conveyancer concerning thehome move ahead of appointing the firm. Is this something that you can arrange?
This is something that we encourage - we would be delighted to talk to you we do not take any clients on without you first talking to the lawyer who will be doing your property ownership legalities in Whickham.There is no ‘factory style conveyancing’ - each client is unique person, not a case number. The practices that we put you in touch with believe that the fees you are quoted for your conveyancing in Whickham should be the amount on the final invoice that you are charged.
As co-executor for the will of my grandfather I am selling a house in Newport but I am based in Whickham. My solicitor (who is 200 miles awayneeds me to execute a stat dec prior to completion. Could you suggest a conveyancing practitioner in Whickham who can attest and place their company stamp on the document?
Technically speaking you are unlikely to be required to have the documents witnessed by a conveyancing solicitor. Normally any notary public or solicitor will be fine regardless of whether they are located in Whickham
I am short of a 10% deposit on my apartment purchase in Whickham , but I am anxious exchange. What can I do?
One option is to try and agree a smaller deposit. Most sellers will agree to a lesser deposit or even no deposit for a first time buyer or 100% mortgage. Be aware though that if you fail to complete you will still need to hand over a minimum of 10% of the purchase price regardless of how much deposit was agreed.
You can also agree a simultaneous exchange and completion as no deposit is required for this however neither party will be tied in until completion actually takes place and it can be risky if sellers change their mind at the last moment