Our mortgage company has recommended a law firm on their panel based in Exeter but I would rather choose a conveyancing lawyer in Exeter local to me. Can you assist?
Not all Exeter conveyancing practices are on all banks conveyancing panel. Do make the most of the above find an approved solicitor tool to identify a Exeter conveyancing firm on the on the bank panel.
I am assisting my aunt sell her flat in Exeter. Does the solicitor arrange an energy assessment or do I organise this?
After the abolition of Home Information Packs, energy assessments was retained a compulsory component of selling a house. An energy performance certificate must be to hand in advance of the property being marketed. This is not as aspect of the sale process that conveyancers ordinarily organise. If you are instructing a Exeter conveyancing solicitor they may help arrange EPC’s given their contacts with long established local accredited person
My father advised me that in purchasing a property in Exeter there may be various restrictions limiting what one can do in terms of external changes to a property. Is this right?
We are aware of anumerous of properties in Exeter which have some sort of restriction or requirement of consent to carry out external alterations. Part of the conveyancing in Exeter should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
Clydesdale have agreed my home loan in principle, my bid on a flat in Exeter has been agreed to, now what?
The property agent will need to be informed of your solicitor's details (ensure that the lawyers are on the lender’s approved list). Contact Clydesdale or the financial adviser and complete any outstanding forms. Clydesdale will instruct a valuer who will get in touch with the estate agent or vendor to schedule an appointment. Once carried out (assuming no problems) it takes on average ten days to receive the mortgage offer. Clydesdale will send the offer to you and your conveyancers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Exeter.
A relative suggested that if I am buying in Exeter I should ask my conveyancer to execute a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is usually quoted for as part of the standard Exeter conveyancing searches. It is a large report of about 40 pages, listing and detailing important information about Exeter around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Exeter Education with plans and statistics, Local Amenities and other useful data regarding Exeter.
I bought my house on 5 May and my personal details are still not registered. Should I be concerned? My conveyancing solicitor in Exeter advises it will be formalised inside ten days. Are transfers in Exeter uniquely lengthy to register?
There is nothing unique about conveyancing in Exeter registration formalities. Rather than based on location, timeframes can vary depending on the party submitting the application, whether it is in order and if the Land registry communicate with any third parties. As of today approximately three quarters of such applications are completed within two weeks but some can be subject to protracted delays. Registration takes place after the buyer has moved in to the property thus 'speed' is not typically top priority but if it is urgent that the the registration takes place urgently then you or your solicitor should speak with the land registry and explain the circumstances.
Due to the input of my in-laws I had a survey completed on a house in Exeter before instructing conveyancers. I have been informed that there is a flying freehold overhang to the property. My surveyor advised that some banks may not issue a mortgage on a flying freehold home.
It varies from the lender to lender. HSBC has different instructions for example to Halifax. Should you wish to call us we can look into this further via the relevant lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Exeter. Conveyancing will be smoother if you use a solicitor in Exeter especially if they are accustomed to such properties in Exeter.
I have recently had an offer accepted on an apartment in Exeter and the mortgage adviser that we are using suggested his lawyer. They quoted £800 excluding VAT and disbursements. Does this sound expensive?
Don't just go on a single quote. You should seek like-for-like quotes for your conveyancing in Exeter. Then pick one that you trust and just as important, is on the approved list of the bank that you have applied for a mortgage from.