We are expecting a mortgage offer soon. The bank mentioned the loan came with free conveyancing. Does this mean I have to use their panel solicitor as I would much rather instruct a Hawkshead based conveyancing firm?
Do check but the chances are that appoint one of their panel solicitors should you accept the "fee-free" incentive. Contact the mortgage company to explore if they make available a monetary alternative. Some mortgage companies have previously offered a £250 cashback as a further option in which case you could put that amount towards your preferred conveyancing solicitor in Hawkshead.
My bid for a property was accepted at auction in Hawkshead. Conveyancing is needed. What happens now?
Now that you are exchanged you now have to retain a conveyancing practitioner as a matter of priority as you now have a fast approaching deadline in which to complete the transaction. All auction property will have an associated legal pack. This should include evidence of title and search results. If you have purchased leasehold premises the conveyancing pack may contain a copy of the lease, management information and a sellers leasehold information form and other conveyancing documentation relating to a leasehold property. You must pass this on to the lawyer working for you ASAP. You also need to ensure that you have funds in order to complete on the date specified in the contract.
Forgive me if this question is silly but I am wet behind the ears as FTB of a garden flat in Hawkshead. Do I pick up the keys to the premises on completion from my conveyancer? If this is the case, I will use a High Street conveyancing solicitor in Hawkshead?
There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will electronically transfer the completion advance to the seller's solicitors, and shortly after the monies have arrived, you should be called to collect the keys from the Estate Agents and move into your new home. Usually this happens between 1 and 3pm.
Completion of my purchase has taken place for my property in Hawkshead. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
Almost all banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Department at head office. Ordinarily complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
I am close to exchanging contracts on the sale of our property in Hawkshead and according to the buyers it appears that there is a risk of it being built land that was not decontaminated. Any local lawyer would know this is not the case. It does beg the question why the purchasers used an online conveyancing outfit as opposed to a conveyancing solicitor in Hawkshead. We have lived in Hawkshead for 5 years we know of no issue. Is it a good idea to contact our local Authority to obtain clarification that the buyers are looking for.
It would appear that you have a conveyancing solicitor already. Are they able to advise? You must check with 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 health insurance to cover that same sickness)
3 months have gone by since my purchase conveyancing in Hawkshead took place. I have checked the Land Registry website which shows that I paid £175,000 when infact I paid £160,000. 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 property in Hawkshead prior to instructing lawyers. I have been informed that there is a flying freehold aspect to the house. The surveyor has said that some lenders may refuse to give a loan on a flying freehold premises.
It depends who your proposed lender is. Bank of Scotland has different instructions for example to Birmingham Midshires. If you contact us we can investigate further with the relevant lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Hawkshead. Conveyancing may be slightly more expensive based on your lender's requirements.
How do I use your search app to select a conveyancing solicitor in Hawkshead on the approved list for my mortgage?
Step one is to select a mortgage company such as Accord Mortgages Ltd, Barnsley Building Society or Platform Home Loans Ltd then type in your location for example Hawkshead. Conveyancing firms in Hawkshead and across England and Wales should be shown.