It is is a decade since I bought my property in Fowey. Conveyancing solicitors have just been appointed on the sale but I am unable to track down the title deeds. Is this a major issue?
Don’t worry too much. Firstly the deeds may be retained by your mortgage company or they could be in the possession of the solicitor who handled your purchase. Secondly the chances are that the land will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers acquiring up to date copy of the land registers. Almost all conveyancing in Fowey relates to registered property but in the rare situation where your home is not registered it adds to the complexity but is not insurmountable.
My brother-in-law has suggested I instruct a conveyancing solicitor in Fowey. I need to find out if they are accepted on the TSB conveyancing panel. Can you or the lender confirm if they are on the panel?
The first thing you should do is contact the conveyancer and enquire whether they can act for the bank. Alternatively please get in touch with TSB who may be able to confirm.
I am purchasing my first flat in Fowey with the aid of help to buy. The developers would not budge the price so I negotiated £7000 of additionals instead. The estate agent suggested that I not disclose to my lawyer about the deal as it may adversely affect 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 am selling my property. My previous conveyancers has retired. I would be grateful for any recommendation of a conveyancing firm. I happen to live in Fowey if that makes things easier.
Please use our search tool to help you choose a solicitor for your conveyancing in Fowey. We have connected thousands of home buyers and sellers with lender approved solicitors to ensure that the legalities of their house move goes smoothly.
I am four weeks into a residential purchase having been recommend to conveyancers by the selling agent to execute conveyancing in Fowey. I am am starting to be disappointed with the level of service. Can you you assist me in finding new solicitors?
They would need to be really poor to suggest diss instructing them. Has the mortgage offer been sent? In the event that it has you will need to advise them of the new contact details and have the offer are re-sent. Your new solicitor ideally should be on the mortgage company panel to avoid added fees and complications. That should be your starting point. Our find a solicitor tool should help you find a bank approved lawyer for your home move in Fowey
Why do I have to provide my property lawyer with a list of items of ID ahead of starting my conveyancing in Fowey?
Fowey conveyancing practitioners are required by the Law Society, SRA, HM Land Registry and current AML Regulations to record that the have verified the identity of their clients. It is also sometimes a requirement of your mortgage offer. In addition they have to complete various forms, particularly those relating to Land Tax and need to have details such as your full names, NI number and DOB.