I am expecting a mortgage with Santander. I intend to employ the services of a Licensed Conveyancer in Blyth. Does the Santander Solicitor panel allow for Licensed Conveyancers?
The Santander conveyancing panel is, like many other lenders, associated to the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
I am purchasing a newly built apartment in Blyth and my solicitor is informing me that she has to the lender to disclose incentives from the seller. The Estate Agents are hassling me to exchange and I have no desire to prolong deal. Is my lawyer right?
You should not exchange unless you have been advised to do so by your conveyancing practitioner. A precondition to being on a mortgage company panel is to comply with the UK Finance Lenders’ Handbook provisions. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
At what point will exchange of contracts occur in sale conveyancing in Blyth and am I required to attend the conveyancers office?
If you are local to one of the conveyancing solicitors in Blyth you are welcome to come in to sign contracts. That being said, the firms we work with supply countrywide coverage for conveyancing and give as equally comprehensive and professional a job for you when dealing with you by post or email. The executing of the contract is not the point of no return. Signing on the dotted line simply enables the solicitor to officially exchange when the time is right, which will usually be very shortly after signing. The exchange process is nowadays normally dealt with by telephone and can be very rapid, although where an extended "chain" is involved, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Blyth)to be in the office at the appropriate time.
We are buying a flat in Blyth. It might be a silly question but how we can trust a solicitor? At some point we have to put funds into their account. What protection do we have from them run away with our deposit?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
I am helping my step-mother sell her property in Blyth. Does the solicitor order an energy performance certificate or it is for the seller to coordinate?
Following the demise of HIPs, energy performance certificates was retained a compulsory element of selling a property. An energy assessment must be to hand before the property is put on the market. This is not a task that lawyers normally arrange. If you are using a Blyth conveyancing solicitor they may be able to arrange energy performance certificates due to their contacts with reputable Blyth providers
I am currently in the process of buying my council flat in Blyth. I have a mortgage offer with RBS. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with RBS, you will need to appoint a solicitor on the RBS conveyancing panel.
I have recentlybecome aware that Arc property Solicitors have closed. They carried out my conveyancing in Blyth for a purchase of a leasehold flat 18 months ago. How can I check that my home is not still registered in the name of the previous owner?
The easiest way to see if the property is in your name, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Blyth conveyancing specialists.
My partner and I have had DIP from Skipton Building Society who said we could borrow up to £300k. At what point do we need to instruct a solicitor for conveyancing? Blyth is where we are .
You can appoint a property lawyer now so that the solicitor can open the ledger so they can do the AML checks etc. Once you wish them to start work they will seek a deposit normally about £200. That would normally be after you have the loan offer from your lender and valuation report, however should you want to expedite matters you can start sooner even though you may be risking some money.