Willusing a Honiton conveyancing practitioner make the ownership transfer smoother?
Honiton is a special area, where neighbourhood know-how counts for a lot. The relaxed pace of life has it’s attractions – just not for your conveyancing. The conveyancers that we list combine wide Honiton knowledge with a proactive, hands-onapproach that ensures everything runs smoothly. It is a distinct advantage that they can make use of well established relationships with mortgage brokers, search providers, valuers and other Honiton conveyancing solicitors
We were just about to sign contracts for a semi detached house in Honiton. We encountered a stumbling block. Our loan offer with Virgin Money expires on 19/9/2025 but the vendors are suggesting a completion date of 23/9/2025. Is it possible to prolong the mortgage expiry date?
The best person to address this question is your conveyancer who is in a position to determine whether they should be discussing with the mortgage company, vendor’s conveyancers, estate agents or indeed all three taking into account the circumstances your house move to date.
Is it necessary during the course of the conveyancing process to attend the offices of the solicitor to execute the legal charge? If so, I will choose one who does conveyancing in Honiton so that I can attend their offices if necessary.
These days conveyancing panel lawyers for lenders conduct their work through Royal Mail, e-mail or over the phone. This enables them to undertake the legal work for your home move no matter where you live in the country. That being said you should check if you have the option of attending the offices of your conveyancing lawyer if needed.
When it comes to lenders such as Leeds Building Society, do Honiton conveyancing practitioners incur a fee to be on the conveyancing panel?
We are unaware of any mortgage company fees to register on their list of approved firms, although some do levy an administration charge to deal with the processing of the conveyancing panel submission.
I had a mortgage agreed in principle with HSBC. Honiton conveyancing lawyers have been instructed. What is the average time that one could expect to receive a mortgage offer from HSBC?
Some lenders take longer than others. Have HSBC completed the valuation? Have you advised HSBC as to your lawyers' details and checked that your lawyers are on the HSBC 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 Honiton. My financial adviser pressured me to appoint their property lawyer. I paid an advanced payment of £225. A few days later, the lawyer called me sheepishly admitting that they were not on the Co-operative 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 Co-operative 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.
I am buying a new build house in Honiton with a loan from Godiva Mortgages Ltd. The sellers refused to move on the amount so I negotiated £7000 of fixtures and fittings instead. The estate agent suggested that I not inform my solicitor about the side-deal as it will impact my mortgage with the lender. Do I keep my lawyer in the dark?.
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 am thinking of appointing a conveyancing practitioner in Honiton for my purchase. Can I review a firm’s complaints history with the legal regulator?
You can read documented Solicitor Regulator Association (SRA) decisions arising from investigations started on or after 1 January 2008. Go to Check a solicitor's record. For details about the period before 1 January 2008, or to check a firm's record, telephone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For non-uk callers, use +44 (0)121 329 6800. The SRA could recorded telephone calls for training reasons.