My wife and I have recently appointed a conveyancing solicitor in Heanor. I need to find out whether they are on the Nottingham Building Society approved list of lawyers. Could you assist?
The first thing you should do is phone your solicitor and ask them whether they can act for the bank. Alternatively you should call Nottingham Building Society who may be able to help.
I just bought a house at auction in Heanor. Conveyancing is required. What is next?
Having for all intents and purposes signed on the dotted line you should instruct a conveyancing solicitor quickly as you will have a pending a drop dead date to complete the property. Every auction property will have a corresponding auction pack. This will likely include the copy title deeds, local authority and drainage searches. In the case of leasehold property the legal pack should provide a copy of the lease, management information and a sellers leasehold information form and other conveyancing documentation specific to leasehold premises. You need to pass this on to your appointed conveyancing solicitor ASAP. Do make sure that your finances are organised to complete on the on the contractual date .
This question may be naive but I am wet behind the ears as FTB of a ground floor flat in Heanor. Do I collect the keys to the house on completion from my conveyancer? If this is the case, I will instruct a High Street conveyancing solicitor in Heanor?
On the day of completion you do not need to go to the conveyancers office in Heanor. Conveyancing lawyers for you will transfer the purchase money to the seller's lawyers, and once they have received this, you will be able to pick up the keys from the property Agents and move into your new home. Usually this occurs between 1 and 3pm.
We have a mortgage agreed in principle with Virgin Money. Heanor conveyancing solicitors are chosen. What is the average time that one could expect to receive a mortgage offer from Virgin Money?
There is no definitive answer here. Have Virgin Money conducted the survey? Have you informed Virgin Money as to your lawyers' details and checked that your lawyers are on the Virgin Money conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
My partner and I are intent on selling our house in Heanor and according to the buyers it appears that there is a possibility that the property was built land that was not decontaminated. Any high street Heanor lawyer would know that there is no such problem. It does beg the question why the buyers instructed an online conveyancing outfit rather than a conveyancing solicitor in Heanor. We have lived in Heanor for three years we know of no issue. Do we contact our local Authority to obtain clarification need.
It sounds as though you may have a conveyancing solicitor currently acting for you. What do they say? You need to 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 ailment)
My wife and I purchased a 4 bedroom Georgian property in Heanor. Conveyancing practitioner acted for me and National Westminster Bank. I did a free Land Registry search last week and there are two entries: one for freehold, another for leasehold under the exact same property. If a house is not a freehold shouldn't I have been informed?
You need to review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Heanor and other areas of 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 buyers. You can also check the position with your conveyancing lawyer who conducted the work.
I am buying a new build house in Heanor with a loan from National Westminster Bank. The developers would not budge the amount so I negotiated 6k of fixtures and fittings instead. The house builders rep suggested that I not disclose to my solicitor about this deal as it may put at risk my loan with the bank. 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.
Am I best advised to use a Heanor conveyancing lawyer based in the area that I am buying? An old friend can conduct the legal formalities however his firm is located over three hundred miles away.
The primary upside of using a high street Heanor conveyancing practice is that you can attend the office to execute paperwork, deliver your ID and apply pressure on them if necessary. They will also have local insight which is a plus. That being said nothing is more important than finding someone that will pull out all the stops for you. If if people you trust instructed your friend and they were content that should trump using an unknown Heanor conveyancing solicitor just because they are round the corner.