I do hope you can help me. My Ascot conveyancer is assuring me that he has toapply for Ascot conveyancing searches asthe firm are on the Nat Westapproved lawyer panel. These Ascot checks cost a lot of money can this be avoided?
Unfortunately both you and your lawyer have little choice here. As you are taking a mortgage with a lender your solicitor has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of your bank’s conveyancing panel appointment which obliges them to follow the CML Handbook provisions . Even if you were a cash buyer you would be ill advised not to carry out Ascot conveyancing searches.
Our mortgage company has recommended a law firm on their panel based in Ascot but I would rather instruct a conveyancing lawyer in Ascot local to me. Are you able to help?
It is by no means the case that all Ascot conveyancing practices are on all banks conveyancing panel. Use the above search tool to identify a Ascot conveyancing conveyancer on the on the lender panel.
Do I select a Licenced Conveyancer or Solicitor for conveyancing in Ascot?
There are many recorded licenced Conveyancers in Ascot and Solicitor partnerships in Ascot who provide Conveyancing services We would stress that both are supervised by regulatory bodies with both specialising in the legal aspects of transferring property. The two can deal with other property legal work such as remortgage conveyancing, enfranchisement and transfer of equity conveyancing.
We previously chose conveyancing lawyers located in Ascot on the Coventry BS solicitor panel. They have just invoiced me a separate charge for the legal aspects of the Coventry BS mortgage. Is this a supplemental conveyancing fee set by Coventry BS?
Provided it is contained in their Terms of Engagement or estimate then yes your solicitor may levy a fee for this. The charge is not dictated by Coventry BS but by your Ascot conveyancer. Some firms on the Coventry BS panel will charge ’dealing with mortgage’ fee and others do not.
I am selling my flat. I had a double glazing fitted in October 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Bank of Ireland are being problematic. The Ascot solicitor who is on the Bank of Ireland conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Bank of Ireland are requiring a building regulation certificate. Why do Bank of Ireland have a conveyancing panel if they don't accept advice from them?
It is probably the case that Bank of Ireland have referred the matter to their valuer. The reason why Bank of Ireland may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
Due to the guidance of my in-laws I had a survey completed on a property in Ascot ahead of instructing solicitors. I have been advised that there is a flying freehold element to the property. My surveyor has said that some banks will not issue a loan on such a premises.
It depends who your proposed lender is. HSBC has different requirements for example to Birmingham Midshires. Should you wish to telephone us we can look into this further via the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Ascot. Conveyancing may be slightly more expensive based on your lender's requirements.
I need to instruct a conveyancing solicitor in Ascot for my home move. Is there any facility to review a firm’s record with the legal regulator?
You may see published Solicitor Regulator Association (SRA) decisions resulting from investigations from 2008 onwards. Go to Check a solicitor's record. To find records about the period before 1 January 2008, or to check a solicitors record, phone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For callers outside the UK, dial +44 (0)121 329 6800. The regulator sometimes monitor call for training requirements.
I have been advised by numerous family members that it should take six to eight weeks for Ascot conveyancing to complete.This was a month ago. The property information was only forwarded to my conveyancer a couple of days ago so now does it countdown?
No definitive time frame exists for conveyancing in Ascot. Conveyancing is subject to many variable. Ascot conveyancing searches alone may take some weeks to come back.