My best friend’s brother is a conveyancing practitioner. I anticipate that I will be offered friends and family pricing for conveyancing, but if not, what kind of fees should I be paying for conveyancing in Cardigan?
Do contrast pricing. Do use our comparison tool on this page. The quotes seem to be different but the service one can expect are distinct between solicitors as is the case with the vast majority of professional services.
I am helping my step-mother sell her property in Cardigan. Does the solicitor commission the energy assessment or it is for the seller to coordinate?
After the demise of Home Packs, energy performance certificates became a compulsory component of moving house. An EPC needs to be to hand prior to the property being placed on the market. This is not as aspect of the sale process that lawyers ordinarily arrange. If you are using a Cardigan conveyancing practitioner they may be willing to arrange energy performance certificates given their contacts with reputable Cardigan assessors
I'm at the point of looking at houses in Cardigan and I am now considering a potential offer. Is it premature to have a solicitor in place? I will be getting a mortgage with Clydesdale.
You should start obtaining conveyancing estimates from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on to the EA. As you are obtaining a mortgage with Clydesdale, ask your prospective lawyers if they are on the Clydesdale conveyancing panel otherwise they can't do the mortgage legal work.
After much negotiation I have agreed a price on a house in Cardigan. My mortgage broker recommended their conveyancers. I paid an advanced payment of £225. Soon after, the conveyancer 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.
Will my conveyancer be raising questions about flooding during the conveyancing in Cardigan.
The risk of flooding is if increasing concern for solicitors conducting conveyancing in Cardigan. There are those who purchase a property in Cardigan, fully expectant that at some time, it may be flooded. However, leaving to one side the physical damage, if a property is at risk of flooding, it may be difficult to obtain a mortgage, satisfactory building insurance, or sell the property. There are steps that can be taken as part of the conveyancing process to forewarn the buyer.
Solicitors are not best placed to give advice on flood risk, but there are a numerous searches that may be carried out by the buyer or by their solicitors which will figure out the risks in Cardigan. The standard property information forms sent to a buyer’s conveyancer (where the solicitors are adopting what is known as the Conveyancing Protocol) contains a usual question of the seller to discover if the property has suffered from flooding. In the event that the property has been flooded in past and is not revealed by the seller, then a buyer could issue a legal claim for losses as a result of such an misleading reply. A buyer’s conveyancers will also order an enviro search. This will disclose if there is a recorded flood risk. If so, additional investigations should be conducted.
I'm purchasing my first flat in Cardigan with a loan from Santander. The sellers refused to move on the amount so I negotiated £7000 of fixtures and fittings instead. The sale representative suggested that I not inform my solicitor about this deal as it may jeopardize my mortgage with Santander. Should I keep quiet?.
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.
My brother has recommend that I use his conveyancing solicitors in Cardigan. Should I choose my own property lawyer?
There are no two ways about it it’s preferable to find a conveyancing lawyer is to seek referrals from friends or relatives who have actually previously instructed the solicitor that you are considering.
Is there a reason that Cardigan conveyancing fees are higher for leasehold and freehold properties?
Leasehold conveyancing in Cardigan can involve additional work for instance fully examining the lease, liaising with the landlord, obtaining up to date rent receipts, landlord’s consents, management company’s accounts etc.