My fiance and I are intent on purchasing a ground floor flat in Swaffham. My Conveyancer has never been on on the lender conveyancing list. Is it possible for me to retain my Swaffham conveyancing solicitor even though they are not on the bank panel?
You must instruct a solicitor to complete the legal work required if you need a loan to buy your property. The lawyer will carry out all the relevant legal checks on the property, ensuring that you will be properly registered as the owner and ensure that all the required mortgage paperwork is dealt with. One could select a Swaffham lawyer of your choosing. Nevertheless, where the property lawyer selected is not a member of the lender approved list additional fees will arise as separate legal representation will be required by them. Lender panel applications can be submitted, so if your solicitor has not previously sought membership they can do so.
The Swaffham conveyancing lawyers that I appointed last week on my purchase in Swaffham have without warning shut down. They were on acting for me because I needed a solicitor on the TSB conveyancing panel and my preferred Swaffham lawyer was not. I gave my credit card details for them to take one hundred and fifty pounds for searches. What do I do now?
If you have an estate agent involved then inform them straight away so that they can let the sellers know that there may be a slight delay due to reasons beyond your control. Most sellers would be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You should appoint new lawyers that are on the TSB conveyancing panel and notify the lender. If you have paid over any money, it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new lawyers should be in a position to help.
I have todaydiscovered that Stirling Law have closed. They conducted my conveyancing in Swaffham for a purchase of a freehold house 12 months ago. How can I establish that the property is in my name in the name of the former proprietor?
The quickest way to check if the premises is registered to you, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Swaffham conveyancing specialists.
I decided to have a survey carried out on a property in Swaffham before retaining conveyancers. I have been advised that there is a flying freehold aspect to the house. Our surveyor has said that some mortgage companies may refuse to grant a mortgage on such a premises.
It varies from the lender to lender. Bank of Scotland has different instructions for example to Halifax. Should you wish to call us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Swaffham. Conveyancing will be smoother if you use a solicitor in Swaffham especially if they are familiar with such properties in Swaffham.
We are four weeks into a freehold purchase having been recommend to a firm by the high street agent to carry out the conveyancing in Swaffham. I am am very disappointed with the quality of service. Can you you assist me in finding new conveyancers?
A conveyancer would have to be really bad in order to consider replacing them. Has the mortgage been issued? If so you must make them aware of the new contact details and have the loan are re-issued. The conveyancer needs to be on the mortgage company panel to avoid supplemental expenses and delays. So that should be your starting point. The find a solicitor tool should assist you in finding a lender approved solicitor for your home move in Swaffham