I am hoping to receive a mortgage offer from Lloyds. I intend to employ the services of a Licensed Conveyancer in Wiveliscombe. Does the Lloyds Solicitor panel exclude conveyancers regulated by the CLC?
The Lloyds conveyancing panel is, like many other lenders, associated to the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the CLC.
Is it necessary during the course of the conveyancing process to have a meeting at the offices of the solicitor to sign the legal charge? If so, I will instruct a firm who offer conveyancing in Wiveliscombe so that I can attend their offices when needed.
Nowadays approved lawyers for banks carry out all of the communications through Royal Mail, internet or over phone calls. This enables them to undertake the legal work for your home move regardless of where you live in England or Wales. However you should see if you can still book an appointment to visit conveyancing lawyer if you prefer.
I'm the sole recipient of my late mum's estate and I have everything in my name now, including the house in Wiveliscombe. Conveyancing formalities meant that the Land Registry date was in January. I plan to dispose of the property. I understand that there is a CML six month 'rule', which means that my proprietorship will be considered the same way as though I had purchased the property in January. Will no one buy the property for half a year?
The CML handbook requires conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you could be affected by that. How practical a view mortgage companies take of it, depend on the bank as this requirement is primarily there to capture subsales or the quick reselling of properties.
I have decided to exercise my right to buy my property in Wiveliscombe off the council. I have a mortgage offer with Kent Reliance. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use 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 Kent Reliance, you will need to appoint a solicitor on the Kent Reliance conveyancing panel.
I am due to exchange contracts on my house. I had a double glazing fitted in April 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Yorkshire BS are being a right pain. The Wiveliscombe solicitor who is on the Yorkshire BS conveyancing panel is recommending indemnity insurance as a solution but Yorkshire BS are requiring a building regulation certificate. Why do Yorkshire BS have a conveyancing panel if they don't accept advice from them?
It is probably the case that Yorkshire BS have referred the matter to their valuer. The reason why Yorkshire BS 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.
Due to the input of my in-laws I had a survey completed on a property in Wiveliscombe prior to appointing conveyancers. I have been advised that there is a flying freehold overhang to the property. Our surveyor has said that some mortgage companies will not give a loan on such a house.
It depends who your proposed lender is. Santander has different instructions for example to Nationwide. If you contact us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Wiveliscombe. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Wiveliscombe to see if the conveyancing costs will increase in light of this.
I need to find a conveyancing solicitor for my conveyancing in Wiveliscombe. I happened to discover a site which seems to have the perfect solution If there is a chance to get all formalities done via phone that would be ideal. Do I need to be wary? What are the potential pitfalls?
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?
What type of premises does your Wiveliscombe conveyancing quotes apply to?
The quotes issued are only appropriate to standard residential property in England & Wales. If you have any different needs such as industrial or agricultural property or commercial conveyancing in Wiveliscombe do telephone us to discuss your requirements .