Finally the sale completed on my house in Clare last January yet the purchaser is SMS messaging me to moan that his conveyancer is waiting to hear from mine. What should my lawyer have done now that I have sold?
After completion of your disposal your solicitor is committed to send the transfer deeds and all supplemental paperwork to the purchaser's lawyers. If applicable, your lawyer must also confirm that the legal charge in favour of the lender has been redeemed to the purchasers solicitors. There are no post completion tasks specific conveyancing in Clare.
My wife and I are at the point of viewing apartments in Clare and I am about to put in an offer. Is it premature to have a solicitor in place? I am planning to take a mortgage with Santander.
It would be advisable to start your search sooner rather than later. 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 details on to the estate agent. Given that you are taking out a mortgage with Santander, make sure you remember to check that your lawyer is on the Santander conveyancing panel.
The formalities of my purchase has taken place for my property in Clare. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?
Most banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Department at head office. In most cases complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
After what feels like an age I have had an offer on a maisonette in Clare accepted, but there is a chain. The owners have put an offer on somewhere, however it’s not yet tied up, and are looking at other properties booked. I have instructed a nearby conveyancing solicitor in Clare. What do I do now? When do I get the mortgage application with Nationwide going?
It is usual to have anxieties where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey, Clare conveyancing search fees, etc). The first thing to do is check that your conveyancing practitioner is on the Nationwide approved list. As to the subsequent phase this very much depends on the uniqueness of your case, attraction to this property and on the state of the market. In a buoyant market many buyers would apply for the mortgage with Nationwide and arrange for the valuation and only if it was satisfactory would they ask their property lawyer to press on with the conveyancing in Clare.
I am purchasing a new build house in Clare with the aid of help to buy. The developers refused to move on the price so I negotiated five thousand pounds worth of additionals instead. The house builders rep suggested that I not to tell my conveyancer about the deal as it will jeopardize my loan with the lender. Is this normal?.
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.
I decided to have a survey carried out on a property in Clare ahead of retaining conveyancers. I have been told that there is a flying freehold overhang to the property. Our surveyor has said that some mortgage companies tend refuse to grant a loan on this type of home.
It varies from the lender to lender. Santander has different instructions from Nationwide. If you e-mail us we can investigate further via the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Clare. Conveyancing may be slightly more expensive based on your lender's requirements.
What does commercial conveyancing in Clare cover?
Clare conveyancing for business premises covers a wide array of advice, supplied by regulated solicitors, relating to business premises. For example, this type of conveyancing can cover the sale or purchase of freehold business premises or, more commonly, the assignment of existing business tenancies or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial mortgages and the termination of leases.
We're new to the buying process - had an offer accepted, yet the selling agent told us that the seller will only go ahead if we use the agent's chosen solicitors as they need a ‘quick sale’. We would rather use a local conveyancer used to conveyancing in Clare
We suspect that the owner is not behind this ultimatum. Should the owner desire ‘a quick sale', taking such a hostile approach to a motivated purchaser is going to damage their objectives. Contact the vendors directly and make sure they comprehend that (a)you are motivated buyers (b)you are ready to go, with mortgage lined up © you are unencumbered (d) you wish to move quickly (e)but you are going to instruct your preferred Clare conveyancing solicitors - not the ones that will earn their negotiator at the agency a commission or hit his conveyancing targets demanded by HQ.