I am soon to exchange buying a house in West Wittering but as a consequence of damage from the recent storms I have was able negotiate compensation from the vendor of £3k in the form of a reduction in the price. I had intended this to be addressed as part of a side agreement however Leeds Building Society are not allowing this. Why were they involved?
Any conveyancer that is on the Leeds Building Society conveyancing panel is duty bound to disclose to Leeds Building Society of any variations to the purchase price. If you were to refuse your conveyancing practitioner to notify the price change to Leeds Building Society then they would have to discontinue acting for you. In addition, Leeds Building Society and you would have to appoint a new property lawyer for your conveyancing in West Wittering.
It is a dozen years since I acquired my house in West Wittering. Conveyancing solicitors have now been retained on the sale but I can't track down the title deeds. Will this cause complications?
Don’t worry too much. First there is a chance that the deeds will be kept by your mortgage company or they could be archived with the solicitor who handled your purchase. Secondly in most cases the title will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers procuring current official copies of the land registers. Almost all conveyancing in West Wittering involves registered property but in the unlikely event that your property is unregistered it adds to the complexity but is resolvable.
We are getting the release of further funds on our mortgage from Bank of Ireland as we want to carry out a loft conversion to our house in West Wittering. Do we need to choose a local West Wittering solicitor on the Bank of Ireland conveyancing panel to deal with the legals?
Bank of Ireland would not normally instruct firms on their conveyancing panel to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Bank of Ireland list.
I recently had an offer agreed on an apartment in West Wittering. My financial adviser pressured me to appoint their conveyancing practitioner. I paid an advanced payment of £200. Not long after, the conveyancing practitioner contacted me embarrassingly acknowledging that they were not on the Lloyds 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 Lloyds 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 have finally had an offer on an apartment in West Wittering accepted, but there is a chain. The owners have placed an offer on a flat, however it’s not been accepted yet, and are looking at other flats booked. I have selected a local conveyancing solicitor in West Wittering. What should be my next step? At what point should I apply for the mortgage with HSBC?
It is understandable to have apprehensions where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is in the region of £1k, then survey, West Wittering conveyancing search fees, etc). The first thing to do is ensure that your conveyancer is on the HSBC approved list. As to the next steps this very much depends on the uniqueness of your transaction, motivation for the property and on the state of the market. During a rising market many buyers will apply for a home loan with HSBC and arrange for the valuation and only if it comes back ok would they request their solicitor to proceed with the conveyancing in West Wittering.
I require expedited conveyancing in West Wittering as I have an ultimatum to complete in less than one month. Thankfully I do not require a mortgage. Is it possible to avoid the conveyancing searches to save fees and time?
If.Given you are are a mortgage free purchaser you are at free not to have searches conducted although no lawyer would suggest that you don't. Drawing on years of experience of conveyancing in West Wittering the following are examples of what can crop up and therefore affect future mortgageability: Enforcement Actions, Overdue Fees, Outstanding Grants, Road Schemes,...
I own a renovated Georgian property in West Wittering. Conveyancing practitioner represented me and Platform Home Loans Ltd. I did a free Land Registry search last week and there are a couple of entries: the first freehold, another for leasehold with the matching property. I'd like to know for sure, how can I find out??
You need to review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in West Wittering and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with buyers. You can also check the situation with your conveyancing solicitor who conducted the purchase.
I am one month into a freehold purchase having been directed to a firm by the selling agent to execute conveyancing in West Wittering. I am am starting to be frustrated with the level of service. Can you help me find new conveyancers?
A conveyancer would need to be very poor in order to consider replacing them. Has your mortgage offer been generated? In the event that it has you need to inform them of the new conveyancer and get the mortgage documents are re-sent. Your new conveyancer needs to be on the lenders panel to avoid added expenses and delays. So that should be your starting point. Our find a solicitor tool should help you find a lender approved lawyer for your home move in West Wittering