My IFA has requested my Aperfield law firm’s panel reference for the HSBC conveyancing panel. How do I discover this. I have called my local Aperfield branch but they have not responded to me.
Have you tried speaking to your Aperfield lawyer about this?. They keep a central record lender panel numbers.
There are numerous conveyancing solicitors in Aperfield but how do I know who I should use?
It would be unwise to be tempted by the cheapest Aperfield conveyancing quote. You really do get what you pay for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.
Can you help - my lawyer advises that flying freehold insurance is needed on my purchase. What is the typical level of cover needed for conveyancing in Aperfield?
The right level of flying freehold indemnity insurance should be dictated by who your lender. It would differ for example between National Westminster Bank and Chelsea Building Society. Conveyancing lawyers as opposed to borrowers take out such policies.
I recently had an offer agreed on a house in Aperfield. My mortgage broker suggested a conveyancer. I paid an advanced payment of £175. Shortly after, the conveyancing practitioner contacted me embarrassingly acknowledging that they were not on the Virgin Money 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 Virgin Money 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.
My wife and I have a terraced Georgian house in Aperfield. Conveyancing lawyer acted for me and Virgin Money. I did a free Land Registry search last week and I saw a couple of entries: one for freehold, another for leasehold under the exact same 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 as there may be 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 Aperfield and other locations in 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 mortgage companies. You can also question the situation with the conveyancing lawyer who conducted the conveyancing.
I am buying a new build house in Aperfield with a loan from Bank of Ireland. The builders would not budge the price so I negotiated 6k of fixtures and fittings instead. The estate agent advised me not to tell my solicitor about this deal as it would affect my loan with the 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.
As co-executor for the will of my uncle I am disposing of a property in Monmouth but live in Aperfield. My solicitor (who is 250 miles from merequires that I sign a stat dec ahead of the transaction finalising. Could you suggest a conveyancing lawyer in Aperfield to witness and place their company stamp on the document?
strictly speaking you are unlikely to need to have the documents attested by a conveyancing solicitor. Ordinarily any notary public or qualified solicitor will do regardless of whether they are based in Aperfield
My husband is purchasing a leasehold apartment in Aperfield. Conveyancing quotes are averaging around £1800. Does that seem right?
The average cost last year for conveyancing in Aperfield was £1,500 not including Stamp Duty and HM Land Registry charges.