When can the exchange of contracts take place for domestic conveyancing in Llanybydder and do I need to attend the solicitors branch?
If you are near to one of the conveyancing solicitors in Llanybydder you are welcome to attend to sign documents. However, the law practices we work with offer a nationwide conveyancing service and give just as diligent and professional a job for you when communicating with you by post or email. The executing of the contract is not the critical part. Signing on the dotted line is necessary for the firm to exchange contracts when the time is right, which will usually be very shortly after signing. The procedure is is usually a five minute process, although where a lengthy "chain" is in play, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Llanybydder)to be in the office at the appropriate time.
We have a mortgage agreed in principle with Aldermore. Llanybydder conveyancing lawyers were chosen. What is the average time that one could expect to receive a mortgage offer from Aldermore?
Some lenders take longer than others. Have Aldermore done the survey? Have you informed Aldermore as to your lawyers' details and checked that your lawyers are on the Aldermore conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I am expecting a DIP from Principality 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 Principality recommend any Llanybydder solicitors on the Principality conveyancing panel, or is it better to go independently?
You will need to appoint Llanybydder solicitors independently although you'll need to choose one on the Principality conveyancing panel. The solicitor represents both you and Principality through the process.
I have paid off my mortgage with Coventry BS. I assume I don't need a Llanybydder property lawyer on the Coventry BS panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Coventry BS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Coventry BS mortgage from the register. Coventry BS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Coventry BS has sent the Land Registry the discharge electronically, and
- Coventry BS has instructed the Land Registry to do so
I used Wolstenholmes a few years ago for my conveyancing in Llanybydder. I now require my papers but the law firm has closed. What do I do?
Do contact the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Llanybydder of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
Due to the advice of my in-laws I had a survey completed on a house in Llanybydder prior to retaining solicitors. I have been told that there is a flying freehold element to the house. My surveyor advised that some mortgage companies tend not grant a mortgage on a flying freehold home.
It depends who your proposed lender is. Bank of Scotland has different requirements from Nationwide. If you call us we can look into this further via the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Llanybydder. Conveyancing may be slightly more expensive based on your lender's requirements.
My father-in-law has suggested that I use his lawyers for conveyancing in Llanybydder. Should I find my own property lawyer?
There are no two ways about it the ideal way to choose a conveyancing practitioner is to have guidance from friends or relatives who have actually previously instructed the conveyancer you're are thinking of instructing.
I need to swap lawyers as my Llanybydder lawyer is not on the lender's panel of conveyancing solicitors. Is it practical to instruct different lawyers?
If you haven't yet instructed a solicitor to start work and at this stage simply received an estimate as to costs, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer in Llanybydder that you're thinking of instructing.