I plan on buying property in Linton. My Solicitor is not on the lender solicitor list. Can I still appoint my Linton conveyancing solicitor even though they are not on the bank panel of approved conveyancing solicitors?
You will need to use a conveyancer to deal with the legal work required when you take out a mortgage to purchase your home. The conveyancing practitioner will conduct all the appropriate legal checks on the property, ensuring that you will be registered as proprietor and ensure that all the necessary mortgage documentation is dealt with. One may select a Linton solicitor of your choosing. However, where the conveyancer selected is not a member of the mortgage company approved list further fees will be levied as separate legal representation will be required by them. Lender panel applications can be submitted, so provided your lawyer has not in the past applied for membership they should take the chance to apply.
It is 10 years ago since I bought my house in Linton. Conveyancing lawyers have recently been retained on the sale but I am unable to locate the title documents. Is this a problem?
You need not be too concerned. Firstly there is a possibility that the deeds will be retained by the mortgage company or they could still be with the solicitor who oversaw the 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 solicitors acquiring current official copies of the land registers. The vast majority of conveyancing in Linton relates to registered property but in the unlikely event that your home is unregistered it is more tricky but is resolvable.
Various web forums that I have visited warn that are the main cause of obstruction in Linton house deals. Is that correct?
The Council of Property Search Organisations (CoPSO) has noted the conclusions of research by MoveWithUs that conveyancing searches do not figure within the common causes of hindrances during the legal transfer of property. Local searches are not likely to be the root cause of delay in conveyancing in Linton.
Due to the input of my in-laws I had a survey completed on a property in Linton ahead of instructing conveyancers. I have been advised that there is a flying freehold overhang to the property. The surveyor has said that some banks may refuse to grant a mortgage on such a house.
It depends who your proposed lender is. Bank of Scotland has different requirements from Nationwide. Should you wish to call us we can check via the appropriate lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Linton. Conveyancing may be slightly more expensive based on your lender's requirements.
My uncle has encouraged me to use his lawyers for conveyancing in Linton. Should I choose my own conveyancer?
Much as we are happy to recommend a Linton conveyancing lawyer it’s preferable to find a conveyancing practitioner is to seek guidance from friends or family who have previously instructed the firm that you are contemplating using.
Finally, a mortgage agreement from a bank for the remortgage of my 3 bedroom flat is expected within the next few days. Can you suggest an efficient remortgage conveyancing lawyer in Linton ?
You are on the wrong site if you are in need of the lowest fares for conveyancing in Linton. Our aim is to provide value for money conveyancing but we do not aim to advertise as being the cheapest. Do not be fooled by brokers offering low cost conveyancing in Linton.In your best case scenario, in going for cheap conveyancing, you will get what you pay for and at worst you will end up invoiced for additional fee and still not receive the service expected.