I can't travel far from Wimborne. Please spell out why all Wimborne property lawyers aren't included on all mortgage company panels?
As inequitable as it may seem for mortgage companies to restrict who can represent them, from the public’s or conveyancer’s perspective, the the contrary view is that lenders are increasingly anxious and consider it vital to protect them from mortgage fraud. As a result of this concern banks have restricted their conveyancing panel to a size that they are happy to control.
We are buying a flat and need a conveyancing solicitor in Wimborne who is on the Aldermore conveyancing panel. Can you recommend a local conveyancing firm?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Aldermore . We don't recommend any particular firms conducting conveyancing in Wimborne.
We are aiming to move house in March. Should my conveyancing solicitor call the removal company on the day of completion. On a separate note, can you recommend a removal company in Wimborne. Conveyancing firm was organised prior to coming across your page.
On the afternoon of completion you will need to pick up the keys from the property agent but this should only take place after the previous owners lawyers advise the agent that they have the completion monies and the keys can be passed over. Subsequently you can tell the removal company that you are ready to move in. As a matter of policy we do not suggest a specific removal organisation but can assist you in choosing a conveyancing in Wimborne or a solicitor that specialises in conveyancing in Wimborne.
I am expecting a AIP from Bank of Ireland this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Bank of Ireland recommend any Wimborne solicitors on the Bank of Ireland conveyancing panel, or is it better to go independently?
You will need to appoint Wimborne 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 am due to exchange contracts on my apartment. I had a double glazing fitted in March 2006, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, HSBC are being a right pain. The Wimborne solicitor who is on the HSBC conveyancing panel is recommending indemnity insurance as a solution but HSBC are insisting on a building regulation certificate. Why do HSBC have a conveyancing panel if they don't accept advice from them?
It is probably the case that HSBC have referred the matter to their valuer. The reason why HSBC may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
I used Wolstenholmes several years past for my conveyancing in Wimborne. Now, I need my documents but the law firm has closed. What do I do?
You should contact 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 Wimborne of the conveyancing firm of solicitors you previously retained, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
How does conveyancing in Wimborne differ for new build properties?
Most buyers of new build premises in Wimborne contact us having been asked by the seller to sign contracts and commit to the purchase even before the premises is built. This is because house builders in Wimborne usually buy the land, 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 conveyancing solicitors 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 used to new build conveyancing in Wimborne or who has acted in the same development.
Due to the encouragement of my in-laws I had a survey completed on a house in Wimborne ahead of retaining lawyers. I have been informed that there is a flying freehold aspect to the property. Our surveyor advised that some banks tend refuse to give a mortgage on a flying freehold home.
It varies from the lender to lender. HSBC has different requirements from Halifax. If you e-mail us we can look into this further via the relevant bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Wimborne. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Wimborne to see if the conveyancing costs will increase in light of this.