Much to our surprise we have been advised by our lender that my Charlbury lawyer is not on the mortgage company Conveyancing panel. What can I do to be sure whether this is correct?
Your first step should be to call your Charlbury conveyancer. You lawyer should notify you of the situation. Where they are not on the panel they could put your in touch with solicitors on the conveyancing panel for your lender.
What is the optimum way to investigate if the solicitor carrying out my conveyancing in Charlbury is on the lender’sapproved panel? I am looking to avoid the situation of having one lawyer for me and one for Lloyds TSB Bank thus spending £187.00 plus VAT in further conveyancing bill.
You should take advantage of the find a conveyancing panel solicitor tool on this site. Please choose the lender and type ‘Charlbury’ or your preferred area and you will see a number of lawyer offices in Charlbury or near you.
My partner and I have arranged a further advance on our home loan from TSB as we want to carry out renovations to our house in Charlbury. Do we need to select a nearby Charlbury solicitor on the TSB conveyancing panel to deal with the paperwork?
TSB would not normally instruct firms on their approved list of lawyers to handle the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the TSB panel.
After much negotiation I have agreed a price on a house in Charlbury. My mortgage broker pressured me to appoint their property lawyer. I paid an advanced payment of £150. Soon after, the solicitor called me sheepishly admitting that they were not on the Leeds Building Society 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 Leeds Building Society 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.
At last I have had an offer on a flat in Charlbury agreed to, but there is a chain. The owners have offered on somewhere, but it’s not yet agreed to, and have viewings of other flats booked. I have chosen a bricks and mortar conveyancing solicitor in Charlbury. What should be my next step? At what stage do I apply for the mortgage with Bank of Ireland?
It is normal to have concerns where there is a chain as you are unlikely to want to incur costs too early (mortgage application is approx £1k, then valuation, Charlbury conveyancing search charges, etc). The first course of action is to ensure that your conveyancing practitioner is on the Bank of Ireland conveyancing panel. Regarding the next phase this very much dictated by the uniqueness of your transaction, attraction to the property and on the state of the market. During a rising market the majority of buyers would apply for the mortgage with Bank of Ireland and arrange for the valuation and only if it was satisfactory would they request their property lawyer to press on with searches.
I have recentlybecome aware that Stirling Law have closed. They carried out my conveyancing in Charlbury for a purchase of a freehold house 9 months ago. How can I check that my home is in my name in the name of the former proprietor?
The quickest way to check if the premises is registered to you, you can make 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 Charlbury conveyancing specialists.
Yesterday I discovered that there is a flying freehold element on a property I have offered on last month in what should have been a quick, chain free conveyancing. Charlbury is the location of the property. What do you suggest?
Flying freeholds in Charlbury are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Charlbury you would need to get your solicitor to go through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Charlbury may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
My business partner and I are wishing to lease a unit on the high street. Can you recommend conveyancers offering no-sale-no costs for commercial conveyancing in Charlbury for under 2k?
We are happy to recommend firms who host a wealth of experience of commercial conveyancing in Charlbury, including the sale and purchase of businesses as well as simply property. If you are looking to acquire or dispose of a shop, pub, restaurant, office, retail premises or a whole business we can find you the right lawyer. Regarding the charges these will vary based on the structure and terms of the proposed transaction. Let us have your details or call us so that we may supply you with a fixed commercial conveyancing calculation.