It may have been a long time coming a loan offer from Santander for the refinancing of my 3 room flat is expected imminently. Can you suggest a cheap conveyancing lawyer in Corsham?
This site is not designed to assist those in their quest for the lowest fares for conveyancing solicitors in Corsham. We can offer you value for money conveyancing but we do not aim to work with the cheapest lawyers. Avoid the trap of appointing companies enticing you with ninety nine pound conveyancing in Corsham. In your best case scenario, in going for low cost conveyancing, you will receive what you pay for and at worst it will result in you paying a lot in extras and still not receive the service required.
My aunt passed away six months ago and as sole heir and executor I was left the house in Corsham. The house had a relatively small loan remaining of approximately £5k. I want to transfer the title deeds into my name whilst I re-mortgage to Yorkshire BS, pay off the mortgage. Is this allowed?
Given you plan to refinance then Yorkshire BS will insist on your using a conveyancer on the Yorkshire BS conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Yorkshire BS conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Yorkshire BS mortgage is registered as a charge at the Land Registry.
Have just purchased a probate house at auction in Corsham. Conveyancing is necessary. What are my next steps?
Having legally committed yourself to purchase you should find a conveyancing solicitor quickly as you are facing a fast approaching deadline in which to complete the property. An auction property will have a bespoke auction pack. This should include the copy title deeds, local authority and drainage searches. Where you are dealing with leasehold premises the conveyancing papers should include a copy of the lease, management information and a sellers leasehold information form and other conveyancing documentation specific to a leasehold property. You must give this to the lawyer working for you as soon as possible. You also need to ensure that your finances are organised to complete on the on the contractual date .
Two weeks ago we had a mortgage agreed in principle with UBS. Corsham conveyancing lawyers are selected. What is the average time that one could expect to receive a mortgage offer from UBS?
There is no definitive answer here. Have UBS completed the survey? Have you informed UBS as to your lawyers' details and checked that your lawyers are on the UBS conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
I recently had an offer agreed on an apartment in Corsham. My financial adviser pressured me to appoint their conveyancer. I paid an on account payment of £150. Soon after, the solicitor contacted me to say that they were not on the Barclays conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Barclays panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
Me and my brother own a semi-detached Edwardian house in Corsham. Conveyancing lawyer represented me and Birmingham Midshires. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: one for freehold, the second leasehold with the matching address. I thought I was buying a freehold how can I check?
You should review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Corsham and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with purchasers. You can also check the situation with your conveyancing solicitor who completed the work.
I'm buying a new build house in Corsham with a loan from Lloyds TSB Bank. The sellers would not move on the amount so I negotiated five thousand pounds worth of extras instead. The house builders rep suggested that I not to tell my lawyer about this deal as it will impact my mortgage with Lloyds TSB Bank. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the developer 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 have just appointed agents to market my basement apartment in Corsham.Conveyancing is yet to be initiated but I have just received a quarterly service charge invoice – what should I do?
It best that you discharge the invoice as normal given that all rents and service payments should be allottedas part of the financial calculations for completion monies, so you will be reimbursed by the purchaser for the period running from after the completion date to the subsequent invoice date. Most managing agents will not acknowledge the buyer unless the service charges have been paid and are up to date so it is important for both buyer and seller for the seller to show that they are up to date. This will smooth the conveyancing process