we are a couple who decided to purchase a 2 bedroom flat in Hawes with a homeloan from Godiva Mortgages Ltd.We would like to retain our Hawes conveyancing practitioner but Godiva Mortgages Ltd informed us her practice is not on their approved list of firms. It seems we are left with little choice but to instruct a Godiva Mortgages Ltd panel lawyer or keep our preferred solicitor and fork out for one of their panel ones to represent them. We feel as though this is unjust; is there anything we can do?
No, not really. The home loan issued to you is subject to its various provisions, a common one being that conveyancers must be on the Godiva Mortgages Ltd conveyancing panel. Until recently, most banks had large numbers of solicitors on their panels: a borrower could find one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your lawyer to apply to be on the conveyancing panel for Godiva Mortgages Ltd
We are due to move home in March. Will my conveyancing solicitor call the removal company on the completion day. On a separate note, can you suggest a removal company in Hawes. Conveyancing solicitor was found prior to coming across your site.
On the day of completion you will need to collect the house keys from your property agent but this should only take place once the previous owners solicitors advise the agent that they acknowledge receipt of the completion payment and the keys can be given over. After that you can tell the removal company that they can start moving you in. As a matter of policy we do not suggest a specific removal organisation but can help you locate a conveyancing in Hawes or a legal practice that specialises in conveyancing in Hawes.
My wife and I are in the process of looking at houses in Hawes and I am about to put in an offer. Is it best to have a lawyer on ‘stand by’? I intend to finance via a home loan with Nottingham.
It would be sensible to commence 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 contact information on to the estate agent. Given that you are taking out a mortgage with Nottingham, ask your prospective lawyers if they are on the Nottingham conveyancing panel otherwise they can't do the mortgage legal work.
Having digested plenty of house buying guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Hawes solicitor - who is on the RBS conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
RBS will need an independent valuation of the property. Your lawyer will not arrange this. Usually RBS will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Hawes surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
It has been 4 months following my purchase conveyancing in Hawes concluded. I have checked the Land Registry website which shows that I paid £175,000 when infact I paid £180,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the premises from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I opted to have a survey completed on a house in Hawes before appointing solicitors. I have been informed that there is a flying freehold element to the house. Our surveyor has said that some mortgage companies may not give a loan on this type of premises.
It depends who your proposed lender is. Bank of Scotland has different requirements from Halifax. Should you wish to telephone us we can check with the relevant bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Hawes. Conveyancing will be smoother if you use a solicitor in Hawes especially if they are familiar with such properties in Hawes.
Hoping to buy a property located in Hawes and I am already nervous. I couldn't find anything specific about Hawes. Conveyancing will be needed in due course but do you know about the Hawes area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Hawes. In the meantime here are some basic statistics that we found
As co-executor for the will of my uncle I am selling a property in Swansea but live in Hawes. My lawyer (who is 200 kilometers awayneeds me to sign a statutory declaration before completion. Could you suggest a conveyancing lawyer in Hawes to attest and place their company stamp on the document?
strictly speaking you are unlikely to be required to have the documents witnessed by a conveyancing solicitor. Normally or notary public or solicitor will be fine regardless of whether they are Hawes based