We hope to to purchase with Coventry BS. We have called around locally but am struggling to find a Halstead conveyancing firm on the Coventry BS approved list. Could you help?
Please do make the most of the find a conveyancing panel solicitor tool on this page. Please choose the mortgage company and type Halstead or your location and you will see a number of lawyer based in Halstead or near you.
Two weeks ago we had a mortgage agreed in principle with Santander. Halstead conveyancing practitioners are instructed. What is the average time that one could expect to receive a mortgage offer from Santander?
There is no definitive answer here. Have Santander completed the survey? Have you informed Santander as to your lawyers' details and checked that your lawyers are on the Santander conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
I am expecting a DIP from Bank of Ireland this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Bank of Ireland recommend any Halstead solicitors on the Bank of Ireland conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Halstead solicitors independently although you'll need to choose one on the Bank of Ireland conveyancing panel. The solicitor represents both you and Bank of Ireland through the process.
I am selling my house. I had a double glazing fitted in March 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, UBS are being difficult. The Halstead solicitor who is on the UBS conveyancing panel is happy to accept ‘lack of building regulation’ insurance but UBS are insisting on a building regulation certificate. Why do UBS have a conveyancing panel if they don't accept advice from them?
It is probably the case that UBS have referred the matter to their valuer. The reason why UBS may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
Me and my brother own a terraced Victorian property in Halstead. Conveyancing practitioner acted for me and HSBC Bank. I happened to do a free search for it on the Land Registry database and I saw two entries: one for freehold, another for leasehold with the exact same address. I thought I was buying a freehold how can I check?
You need to assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Halstead and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also enquire as to the situation with the conveyancing lawyer who carried out the work.
I have been on the look out for a flat up to £245,000 and identified one round the corner in Halstead I like with amenity areas and transport links nearby, the downside is that it's only got 51 remaining years left on the lease. There is not much else in Halstead suitable, so just wondered if I would be making a grave error acquiring a short lease?
If you require a mortgage the remaining unexpired lease term will likely be problematic. Reduce the offer by the anticipated lease extension will cost if it has not already been discounted. If the current proprietor has owned the premises for a minimum of twenty four months you could ask them to start the process of the extension and pass it to you. You can add 90 years to the existing lease with a zero ground rent applied. You should consult your conveyancing solicitor concerning this matter.
I was advised by a few selling agents in Halstead to select a property lawyer on your site. What’s the financial advantage for Estate Agents to recommend your lawyers rather than another?
We refuse to offer any commission for directing people to this site. We thought it would be too underhand to pay a commission as members of the public would think, ‘How come the agent getting a kickback? Why aren’t I getting any benefit too?’ So we decided to step away from that.
I am using a search engine for the words conveyancing in Halstead it shows results of many property lawyersin the area. With so much choice what is the best way to find the suitable conveyancing solicitor for my move?
The best way of finding a suitable conveyancer is through a personal recommendation, so enquire of colleagues and relatives who have acquired a property in Halstead or a local estate agent or mortgage broker. Costs for conveyancing in Halstead vary, so it's a good idea to request at least four estimates from varying types of conveyancers. Dont forget to clarify that the fees are fixed.