I am purchasing residence in Exmouth. My Conveyancer has never been on on the bank approved list. Is it possible for me to use my Exmouth conveyancing solicitor even though they are excluded from the mortgage company panel?

One must instruct a conveyancer to deal with the legal work required if you need a mortgage to purchase your home. They will carry out all the appropriate investigations on the property, make sure that you’re properly registered as the owner and ensure that all the required mortgage paperwork is in order. You could select a Exmouth conveyancer of your choosing. Nevertheless, where the conveyancer appointed is not on the bank approved list further fees will be incurred as separate legal representation will be need by the bank. Lender panel applications can be submitted, so provided your solicitor has not in the past applied for membership they should take the chance to apply.

We wanted to use a property lawyer in Exmouth for our home move. Our broker informed us that our bank Lloyds TSB Bank won't deal with them. Why is this not regarded as unfair competition?

A mortgage company can insist on an approved solicitor act for it. You would be liable to bear the cost of this. Please make use of our directory service to choose a solicitor to conduct conveyancing in Exmouth on the Lloyds TSB Bank conveyancing panel.

Do I select a Licenced Conveyancer or Solicitor for conveyancing in Exmouth?

Two types of professional can carry out conveyancing in Exmouth namely CLC regulated conveyancers or solicitors. Both professionals administer conveyancing services that required to complete the sale or purchase of property. Both are obliged to execute Exmouth conveyancing on similar quality and guidelines so you may be sure that your conveyancing will be professionally conducted and that the necessary steps should be accurately followed.

Forgive me if this question is silly but I am wet behind the ears as FTB of a two bedroom flat in Exmouth. Do I collect the keys to the property on the completion date from my conveyancer? If so, I will find a High Street conveyancing solicitor in Exmouth?

There is no need to visit the lawyers office on the day of completion. Your solicitors will arrange to send the completion advance to the vendor’s lawyers, and once they have received this, you will be able to pick up the keys from the selling Agents and start moving into the property. Usually this happens early afternoon.

After shopping around on the internet I have found a Exmouth conveyancer having made sure that they are on the Co-operative conveyancing panel. Does my lawyer arrange the survey of the property?

Co-operative will need an independent valuation of the property. Your lawyer will not arrange this. Usually Co-operative 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 solicitor 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 Exmouth postcode. As you are getting a mortgage with Co-operative, you could contact them to see if they have a list of approved surveyors in Exmouth.

I have recently realised that I have Sixty One years unexpired on my lease in Exmouth. I now wish to get lease extension but my freeholder is can not be found. What should I do?

If you qualify, under the Leasehold Reform, Housing and Urban Development Act 1993 you can submit an application to the County Court for an order to dispense with the service of the initial notice. This will enable the lease to be granted an extra 90 years by the Court. You will be obliged to prove that you have done all that could be expected to track down the lessor. On the whole an enquiry agent may be useful to conduct investigations and to produce an expert document to be used as evidence that the freeholder is indeed missing. It is wise to seek advice from a property lawyer in relation to proving the landlord’s disappearance and the application to the County Court overseeing Exmouth.

Exmouth Conveyancing for Leasehold Flats - A selection of Queries Prior to Purchasing

Does the lease have in excess of 82 years unexpired? How many of the leaseholders are in arrears for their maintenance charge payments? What prohibitions are contained in the Exmouth Lease?

I have been advised by numerous friends to expect six to eight weeks for Exmouth conveyancing to complete.This was a month ago. The paperwork was only forwarded from the vendors conveyancing practitioner a few days ago so now does it countdown?

No definitive time frame exists for conveyancing in Exmouth. Conveyancing is subject to many variable. Exmouth conveyancing searches in and of themselves could take up to month before they are received.