It is a dozen years since I bought my property in Dawlish. Conveyancing lawyers have just been appointed on the sale but I can't find my title documents. Is this a major issue?
You need not be too concerned. First the deeds may be kept by the mortgage company or they may be in the possession of the solicitor who oversaw your purchase. Secondly in all probability the title will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing lawyers acquiring up to date copy of the land registers. Most conveyancing in Dawlish relates to registered property but in the unlikely event that your home is unregistered it is more of a problem but is resolvable.
My wife and I are purchasing a apartment in Dawlish. It might be a silly question but how we can trust a solicitor? On completion day we have to put our life savings into their account. What is the protection we have from them run away with our money?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
I am helping my aunt sell her property in Dawlish. Does the conveyancing solicitor order an energy performance certificate or it is for me to see to?
Following the abolition of HIPs, energy performance certificates was retained a compulsory part of selling a house. An energy performance certificate should be commissioned in advance of the property being marketed. It is not a task that lawyers ordinarily arrange. Where you are using a Dawlish conveyancing solicitor they might be able to arrange energy assessments due to their relationships with reputable local providers
I am buying a property in Dawlish. A rare aspect is that the roof has a solar panel. Co-operative have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that you are obtaining a mortgage with Co-operative your lawyer must follow the formal requirements contained in Part two of UK Finance Lenders’ Handbook for Co-operative. The Council of Mortgage Lenders’ Handbook stipulates minimum requirements for solar panel roof-space leases, and conveyancers are required to report to Co-operative where a lease does not satisfy these specifications. The specifications relate to the installation of panels on properties nationwide and is not limited to Dawlish.
I need some fast conveyancing in Dawlish as I have pressure to exchange contracts within 3 weeks. A home loan is not required. Can I decline from having conveyancing searches to save fees and time?
If.Given you are not taking a mortgage you are at liberty not to do searches although no conveyancer would recommend that you don't. Drawing on years of experience of conveyancing in Dawlish the following are examples of what can arise and adversely affect market value: Enforcement Notices, Overdue Fees, Overdue Grants, Road Schemes,...
I am purchasing my first flat in Dawlish with a mortgage from Chelsea Building Society. The builders would not move on the price so I negotiated 6k of additionals instead. The sale representative advised me not reveal to my conveyancer about the extras as it could adversely affect my loan with the bank. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder 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.
We're novice buyers - had an offer accepted, but the estate agent informed us that the seller will only move forward if we appoint the agent's chosen lawyers as they are insisting on an ‘expedited deal’. Our preferred option is to instruct a high street conveyancer used to conveyancing in Dawlish
It is unlikely the vendors are driving this. If they desire ‘a quick sale', turning down a serious purchaser is is going to put the whole deal at risk. Bypass the agents and go straight to the sellers and explain that (a)you are serious buyers (b)you are ready to go, with finances arranged © you are unencumbered (d) you wish to move quickly (e)however you will continue to appoint your own,trusted Dawlish conveyancing lawyers - rather thanthe ones that will give the negotiator at the agency a commission or achieve conveyancing thresholds pre-set by head office.
We have today had an offer accepted on our first house in Dawlish, and are about to get solicitors lined up. We have used the numerous comparison tools and the results are from all over the the UK. Is it essential to have a Dawlish conveyancer local to our prospective house? We are content to do all the communicating electronically, but I am thinking at some stage we may need to attend the lawyer's office to sign documents?
There is no requirement to physically visit the office of your conveyancing practitioner, they can post any relevant papers to you, which you can sign and send back. Many buyers and sellers prefer to instruct a locally based solicitor, but it is not essential for conveyancing in Dawlish.