Why do I have to pay up front for conveyancing in Whitland?
If you are buying a property in Whitland your lawyer will ask you to provide them with funds to cover the search fees. This will be the total of the cost of the Local Authority Search. When the deposit is payable against the sale price then this will be asked for shortly before exchange of contracts. The final balance that is due should be sent to your lawyer a couple of days prior to the day of completion.
I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in Whitland. My lender is Tesco Bank
Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 31/1/2025, the requirements read as follows :
I am expecting a DIP from Bank of Ireland this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Bank of Ireland recommend any Whitland solicitors on the Bank of Ireland conveyancing panel, or is it better to go independently?
You will need to appoint Whitland solicitors independently although you'll need to choose one on the Bank of Ireland conveyancing panel. The solicitor represents both you and Bank of Ireland through the process.
I have paid off my mortgage with RBS. I assume I don't need a Whitland lawyer on the RBS panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your RBS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the RBS mortgage from the register. RBS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where RBS has sent the Land Registry the discharge electronically, and
- RBS has instructed the Land Registry to do so
Clydesdale have agreed my home loan in principle, my offer on a apartment in Whitland has been agreed to, what are the next steps?
The estate agent will want to know who your solicitors are (ensure that the conveyancers are on the bank’s panel). Contact Clydesdale or your broker and complete any relevant documentation. Clydesdale will appoint a valuer who will get in touch with the estate agent or owners to arrange an appointment. Once carried out (assuming no problems) it takes about ten days for the mortgage offer to be issued. Clydesdale will send the offer to you and your conveyancers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Whitland.
Are there restrictive covenants that are commonly identified during conveyancing in Whitland?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Whitland. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
Should I be concerned that third parties that I am dealing with are recommending an internet conveyancing firm rather than a High Street Whitland conveyancing practice?
As is the case with lots of professional services, often referrals from family and friends can be worth their weight in gold. Yet there are many people with a vested interest in a conveyancing matter; estate agents, financial adviser and lenders might all recommend lawyers to instruct. On occasion the conveyancers might be known to one of the organisations as being good in their field, but sometimes there behind the scenes financial incentive behind the recommendation. You have the right to select your own lawyer. However, bear in mind that some lenders specify a panel list of lawyers you must use for the mortgage related work in your transaction.
My husband and I are first time buyers - had an offer accepted, yet the agent informed us that the owners will only move forward if we use the agent's preferred conveyancers as they are insisting on a ‘quick sale’. My instinct tells me that we should use a local conveyancer accustomed to conveyancing in Whitland
It is improbable the owners are behind this. If they desire ‘a quick sale', alienating a motivated purchaser is not the way to achieve this. Bypass the agents and go straight to the sellers and make the point that (a)you are motivated purchasers (b)you are ready to go, with finances in place © you have nothing to sell (d) you wish to move quickly (e)but you will continue to appoint your own,trusted Whitland conveyancing firm - not the ones that will give their negotiator at the agency a kickback or achieve conveyancing figures demanded by head office.