Recently been in touch with my conveyancing solicitor in Cannington who acted for me two years ago requesting a conveyancing quote based on the same type of house sale & purchase (a leasehold residence and a freehold premises) of similar values with a mortgage from Birmingham Midshires. It looks as though am now being charged twice the amount. Am I right to be tempted to shop around for an alternative firm of conveyancing solicitor?
The estimate does seem a little overpriced. If you you were to look around you may be able to decrease the fees marginally by say £100 plus VAT. On the other hand, providing that you were content with the assistance the firm gave you couldlive to rue opting for an a cheaper solicitor. Don't forget to be sure that the conveyancer can represent Birmingham Midshires. Do employ our search tool to locate a Cannington conveyancing firm on the Birmingham Midshires conveyancing panel, which can often include conveyancing solicitors in Cannington.
It is 10 years ago since I acquired my property in Cannington. Conveyancing lawyers have now been appointed on the sale but I am unable to find my title documents. Will this jeopardise the sale?
Don’t worry too much. First the deeds may be kept by the lender or they could be in the possession of the conveyancers who acted in your purchase. Secondly in all probability the title will be registered at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers procuring up to date copy of the land registers. Nearly all conveyancing in Cannington involves registered property but in the rare situation where your home is not registered it is more problematic but is not insurmountable.
My partner and I are spending time viewing houses in Cannington and I am now considering a potential offer. Should I already have a conveyancing practitioner in place at this stage? I will be getting a mortgage with Coventry BS.
You should start obtaining conveyancing estimates from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their contact information on to the selling agent. As you are obtaining a mortgage with Coventry BS, make sure you remember to check that your lawyer is on the Coventry BS conveyancing panel.
Completion of my remortgage has taken place for my property in Cannington. Conveyancing was satisfactory but I would like to complain about the lender. How do I make a complaint?
Most banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Department at head office. In most cases complaints to a lender are resolved very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
Aldermore have agreed my mortgage in principle, my offer on a apartment in Cannington has been accepted, what happens next?
Your estate agent will wish to be advised as to your conveyancer's details (make sure the conveyancers are on the bank’s panel). Call up Aldermore or your financial adviser and finish off any outstanding forms. Aldermore will sellect a valuer who will get in contact with the selling agent or seller to arrange a time for the valuation to happen. Once carried out (assuming no problems) it takes approximately a fortnight to receive the mortgage offer. Aldermore will send the offer to you and your conveyancers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Cannington.
Various internet forums that I have come across warn that are a common reason for delay in Cannington conveyancing transactions. Is there any truth in this?
The Council of Property Search Organisations (CoPSO) has noted the determinations of research by MoveWithUs that conveyancing searches do not feature within the most frequent causes of hindrances during the legal transfer of property. Searches are not likely to be the root cause of delay in conveyancing in Cannington.
It has been three months since my purchase conveyancing in Cannington completed. I have checked the Land Registry site which shows that I paid £175,000 when infact I paid £170,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
Due to the encouragement of my in-laws I had a survey completed on a property in Cannington before instructing conveyancers. I have been advised that there is a flying freehold overhang to the house. The surveyor has said that some mortgage companies may not give a mortgage on such a premises.
It depends who your proposed lender is. HSBC has different instructions for example to Halifax. Should you wish to telephone us we can check via the appropriate lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Cannington. Conveyancing may be slightly more expensive based on your lender's requirements.