My fiancee and I are in the process of viewing apartments in Cross Keys and I am now considering a potential offer. Should I already have a lawyer appointed at this point? I intend to finance via a mortgage with Kent Reliance.
It would be sensible 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 forward their details on to the EA. As you are seeking a mortgage with Kent Reliance, ask your prospective lawyers if they are on the Kent Reliance conveyancing panel otherwise they can't do the mortgage legal work.
I have today made my last payment due on my mortgage with Skipton. I assume I don't need a Cross Keys lawyer on the Skipton panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Skipton 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 Skipton mortgage from the register. Skipton, 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 Skipton has sent the Land Registry the discharge electronically, and
- Skipton has instructed the Land Registry to do so
Our offer on a detached house in Cross Keys has been agreed to, but there is a chain. The vendors have offered on a flat, but it’s not yet agreed to, and are looking at other flats booked. I have instructed a high street conveyancing solicitor in Cross Keys. What should be my next step? When should I get the mortgage application with Nottingham started?
It is normal to have concerns where there is a chain as you are unlikely to want to incur expenses prematurely (mortgage application is approx one thousand pounds, then valuation, Cross Keys conveyancing search costs, etc). The first thing to do is ensure that your conveyancer is on the Nottingham approved list. Concerning the subsequent steps this very much dictated by the circumstances of your transaction, desire for this property and on the state of the market. During a buoyant market the majority of home buyers will apply for a home loan with Nottingham and arrange for the valuation and only if it was satisfactory would they request their conveyancing practitioner to proceed with the conveyancing in Cross Keys.
We are planning on selling our property in Cross Keys and according to the buyers it appears that there is a risk of it being built land that was not decontaminated. A local lawyer would know this is not the case. For the life of me I don't know why the purchasers instructed an internet conveyancing outfit as opposed to a conveyancing solicitor in Cross Keys. Having lived in Cross Keys for many years we know of no issue. Should we contact our local Authority to get clarification need.
It sounds as though you may have a conveyancing lawyer already. Are they able to advise? You should enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same ailment)
I used Arc property Solicitors a few years ago for my conveyancing in Cross Keys. I now require my file however the law firm has closed. What do I do?
You should contact the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Cross Keys of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I opted to have a survey carried out on a property in Cross Keys in advance of appointing solicitors. I have been informed that there is a flying freehold aspect to the house. Our surveyor has said that some banks may not issue a mortgage on a flying freehold house.
It depends who your proposed lender is. Bank of Scotland has different instructions for example to Halifax. Should you wish to telephone us we can check via the relevant mortgage company. 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.
We are a couple of weeks into a residential purchase having been recommend to conveyancers by the local agent to execute conveyancing in Cross Keys. I am not happy. Could you help me find new solicitors?
They would have to be very poor in order to consider replacing them. Has the loan offer been generated? If so you must make them aware of the new contact details and get the offer are re-issued. The conveyancer should be on the mortgage company approved list to avoid added charges and delays. So that should be your starting point. The find a solicitor tool can help you find a lender approved lawyer for your home move in Cross Keys
Whilst your website is a good idea there are many lawyers listed near Cross Keys being on the mortgage company conveyancing panel. It would be a lot more helpful if you could recommend a specific firm on the mortgage company approved panel?
We are not in the business of recommending one firm above another as the right Cross Keys conveyancing firm for you depends on where your priorities lie. For example you may require a local firm with Cross Keys knowledge or you might be looking for the low cost conveyancing. Before you appoint your lawyer we advise you to speak to two or three of the the firms listed to gain comfort as to which one is right for you..