Just been in touch with my conveyancing solicitor in Carlisle who acted for me 18 months ago and wanted a conveyancing estimate based on an identical type of house sale & purchase (a leasehold premises and a freehold property) of similar values with a mortgage from Godiva Mortgages Ltd. It looks as though am now being charged double. Stick with what I know or should I try and find a cheaper online conveyancer?
The charges appear a tad high. If you are happy to expend time comparing costs you may be able to trim some of the cost by perhaps £125. That being said, if you were happy with the assistance the firm offered you maylive to rue choosing an an untested solicitor. If is important to ensure that the solicitor can also act for Godiva Mortgages Ltd. You can use our search tool to select a Carlisle conveyancing firm on the Godiva Mortgages Ltd approved list of lawyers, which can often include conveyancing solicitors in Carlisle.
It is 10 years ago since I purchased my house in Carlisle. Conveyancing lawyers have just been retained on the sale but I can't locate the deeds. Is this a problem?
Don’t worry too much. Firstly the deeds may be kept by your mortgage company or they may stored with the solicitor who handled the purchase. Secondly the chances are that the title will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers acquiring current official copies of the land registers. Almost all conveyancing in Carlisle involves registered property but in the rare situation where your home is unregistered it is more of a problem but is resolvable.
Have just purchased a repossessed house at auction in Carlisle. Conveyancing is needed. What happens now?
Now that you are to in every practical sense signed on the dotted line you must hire the services of a conveyancing solicitor as a matter of urgency as you now have a pending deadline in which to complete the purchase. All auction property will ordinarily have an associated auction pack. This will include the copy title deeds, local authority and drainage searches. In the case of leasehold premises the auction papers may contain a copy of the lease, management information and a sellers leasehold information form and associated conveyancing documentation specific to a leasehold property. You must give this to the conveyancer instructed by you as soon as possible. Do make sure that that you have the requisite funding in place to complete the transaction on the set completion date.
My father informed me that in purchasing a property in Carlisle there may be a number of restrictions affecting the ability to carry out external changes to a property. Is this right?
We are aware of anumerous of properties in Carlisle which have some sort of restriction or requirement of consent to execute external variations. Part of the conveyancing in Carlisle should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
When it comes to mortgage companies such as Skipton, do Carlisle solicitors incur a fee to be on the conveyancing panel?
We are not aware of any bank fees to be on their panel, although some do charge an administration charge to deal with the processing of the conveyancing panel submission.
My wife and I have a 4 bedroom Georgian property in Carlisle. Conveyancing solicitor represented me and Britannia. I did a free Land Registry search last week and I saw two entries: the first freehold, the second leasehold with the exact same address. Is it worth asking Britannia to clarify?
You should read the Freehold register you have again and check the Charges Register for 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 Carlisle and other areas of 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 purchasers. You can also question the situation with your conveyancing solicitor who conducted the conveyancing.
How does conveyancing in Carlisle differ for newly converted properties?
Most buyers of new build premises in Carlisle come to us having been asked by the developer to exchange contracts and commit to the purchase even before the premises is ready to move into. This is because developers in Carlisle typically purchase the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Carlisle or who has acted in the same development.
I was pointed in your direction by a few property agents in Carlisle to select a property lawyer using your seach tool. What’s the financial upside for Estate Agents to promote your site rather than alternative conveyancing organisations?
We don’t offer any financial incentive for pointing buyers and sellers in our direction. We thought it would be too underhand to pay a commission as a client could think, ‘Why is the agent getting a kickback? Why aren’t I receiving any benefit too?’ We would prefer to grow our business on genuine recommendations.