Having been told to check out your company we were going to go ahead with a conveyancing solicitor in Port Isaac listed by you but have come across some other costs illustrations via the web seem less expensive – why is this?
You can find hundreds of conveyancing organisations advertising what appear to be the cheapest conveyancing in Port Isaac. We would urge you to think long and hard about how much you respect your own move to want to be penny wise pound foolish with regard to the standard of the conveyancing. Many of them list a bargain fee to tease you but bury extra costs in the fine print..
Do the conveyancing lawyers that you recommend conduct attended exchange conveyancing in Port Isaac?
There are a few conveyancing experts who can conduct attended exchanges. Please contact us to obtain a fee calculation and details as to dates.
My aunt passed away six months ago and as sole heir and executor I was left the property in Port Isaac. The house had a relatively small loan remaining of approximately £4500. I want to transfer the title deeds into my name whilst I re-mortgage to Aldermore, pay off the mortgage. Is this allowed?
Where you plan to re-mortgage then Aldermore will insist on your using a conveyancer on the Aldermore conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Aldermore conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Aldermore mortgage is registered as a charge at the Land Registry.
Me and my partner are buying a flat in Port Isaac. I might seem paranoid but how we can trust a conveyancer? At some point we will need to deposit our life savings into their account. What is the protection we have from them run away with our money?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
I have today made my last payment due on my mortgage with TSB. I assume I don't need a Port Isaac lawyer on the TSB panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your TSB 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 TSB mortgage from the register. TSB, 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 TSB has sent the Land Registry the discharge electronically, and
- TSB has instructed the Land Registry to do so
I recently had an offer accepted on an apartment in Port Isaac. My mortgage broker recommended their conveyancers. I paid an advanced payment of £225. Shortly after, the conveyancer contacted me to say that they were not on the RBS conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the RBS panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
We are buying a property and the solicitor has identified Chancel Repair to which the property could be obligated to contribute to given it’s proximity to the area of such a church. She has suggested insurance. Is this strictly appropriate for conveyancing in Port Isaac
Unless a previous acquisition of the premises took place after 12 October 2013 you can assume that solicitors delivering conveyancing in Port Isaac to continue to recommend a chancel search and or insurance against a claim.
Am I right to be concerned by third parties that I am dealing with are encouraging me to use a national conveyancing firm rather than a local Port Isaac conveyancing firm?
As with many professional services, often input from relatives can be extremely useful or valuable. Nevertheless there are lots of parties with a keen interest in a conveyancing deal; estate agents, financial adviser and lenders may recommend lawyers to appoint. On occasion these lawyers might be known to one of the organisations as experts in their field, but occasionally there behind the scenes commercial relationship behind the endorsement. You are free to choose your own conveyancer. You need to be aware that most banks have an approved list of conveyancers you are obliged to use for the lender related work in your house move.