In researching moneysavingexpert.com for a cheap lawyer in Cross Keys, most post that I should use a CQS accredited lawyer. Can you explain what CQS is?
The Law Society's Conveyancing Quality Scheme is the recognised kitemark for legal experts in home moving process, trusted by some of the UK's leading mortgage companies. In 2011-12 the Conveyancing Quality Scheme was officially recognised by the Legal Ombudsman. CQS is not a scheme offered by the Society for Licensed Conveyancers. Cross Keys is one of the many areas in England and Wales where there are CQS lawyers.
My husband and I have arranged the release of further funds on our home loan from Skipton as we wish to carry out renovations to our home in Cross Keys. Are we obliged to select a high street Cross Keys solicitor on the Skipton conveyancing panel to deal with the legals?
Skipton don't usually appoint a member of their approved list of lawyers to handle such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Skipton conveyancing panel.
My husband and I are in the throws of viewing flats in Cross Keys and I am now considering a potential offer. Is it too early to have a solicitor in place? I will be getting a mortgage with Skipton.
You should start requesting 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 estate agent. As you are getting a mortgage with Skipton, ask your prospective lawyers if they are on the Skipton conveyancing panel otherwise they can't do the mortgage legal work.
I have paid off my mortgage with Clydesdale. I assume I don't need a Cross Keys solicitor on the Clydesdale panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Clydesdale mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Clydesdale mortgage from the register. Clydesdale, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Clydesdale has sent the Land Registry the discharge electronically, and
- Clydesdale has instructed the Land Registry to do so
I have justbeen informed that Arc property Solicitors have been shut down. They carried out my conveyancing in Cross Keys for a purchase of a freehold house 12 months ago. How can I establish that the property is in my name in the name of the former proprietor?
The easiest way to check if the premises is in your name, 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 Cross Keys conveyancing specialists.
I am buying a new build apartment in Cross Keys. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.
Here is a sample of a selection of leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Cross Keys
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Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? Please confirm the Lease plans are architect prepared. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? There must be mutual enforceability of lessee’s covenants. Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified.
I decided to have a survey done on a property in Cross Keys ahead of instructing lawyers. I have been informed that there is a flying freehold overhang to the house. The surveyor advised that some lenders tend not grant a loan on a flying freehold premises.
It depends who your proposed lender is. Bank of Scotland has different instructions from Nationwide. Should you wish to telephone us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Cross Keys. Conveyancing may be slightly more expensive based on your lender's requirements.
How do I use the search facility to get a costs illustration from a conveyancing solicitor in Cross Keys on the panel for my mortgage?
First choose a bank such as Halifax, The Mortgage Works or Nottingham Building Society then specify your preferred area for example Cross Keys. Conveyancing organisations in Cross Keys and further afield will then be identified.