We are purchasing a property and need a conveyancing solicitor in Kidderminster who is on the Nationwide conveyancing panel. Could you point me in the right direction as regards a 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 Nationwide . We don't recommend any particular firms conducting conveyancing in Kidderminster.
We have a mortgage agreed in principle with TSB. Kidderminster conveyancing solicitors were selected. How long does it take for TSB to issue the offer to the conveyancing practitioner?
There is no definitive answer here. Have TSB done the survey? Have you advised TSB as to your lawyers' details and checked that your lawyers are on the TSB conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
I am currently in the process of buying my council flat in Kidderminster. I have a mortgage agreed with Nationwide. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have 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 Nationwide, you will need to appoint a solicitor on the Nationwide conveyancing panel.
Virgin Money have agreed my mortgage in principle, my offer on a property in Kidderminster has been agreed to, what happens next?
The property agent will want to be advised as to your conveyancer's details (make sure the conveyancers are on the bank’s approved list). Call up Virgin Money or your broker and finish off any outstanding paperwork. Virgin Money will instruct a valuer who will get in contact with the estate agent or vendor to arrange an appointment. Once carried out (assuming no problems) it takes about a week for the mortgage offer to be issued. Virgin Money will send the offer to you and your lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Kidderminster.
Despite weeks of looking the Title Certificate and documents to my home can not be found. The conveyancers who handled the conveyancing in Kidderminster 5 years ago are no longer around. What are my options?
Assuming the title is registered the information relating to your proprietorship will be documented by the Land Registry under a Title Number. It is possible to execute a search at the Land Registry, locate your house and obtain up to date copies of the Registered Entries for a small fee. If the title is Leasehold then the Land Registry will usually retain a certified copy of the Registered Lease and again, a copy can be obtained for twenty pounds.
I am purchasing a new build house in Kidderminster with a mortgage from Bank of Ireland. The builders refused to reduce the amount so I negotiated £7000 of additionals instead. The property agent advised me not inform my conveyancer about this side-deal as it could jeopardize my loan with the lender. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I need to find a conveyancing solicitor for sale conveyancing in Kidderminster. I happened to land on a web site which looks to be the ideal offering If it is possible to get all this stuff completed via phone that would be preferable. Should I be concerned? What should out be looking out for?
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?