I am acquiring a property without a mortgage in Ramsgate. I have lived for the last 15 years in Ramsgate. Conveyancing searches are exorbitant. As I have knowledge of the road and vicinity very well should I not bother getting the solicitor to do all the conveyancing searches?
Provided that you do not need a home loan, then almost all of the Ramsgate conveyancing searches are non-obligatory. Your lawyer will ’encourage you, no-doubt strongly, that you should have searches done, but he is duty bound to take that path of encouragement . Do bear in mind; if you are intend to dispose of the house in the future, it will be of importance to your future buyer what the searches contain. There are plenty of instances where properties with day to day issues can still reveal unpredicted search results. A good conveyancing solicitor in Ramsgate should provide you some helpful guidance in this regard.
How up to date is your search tool for Ramsgate conveyancing solicitors on the Yorkshire BS conveyancing panel? Do Yorkshire BS send you an updated list?
Ramsgate conveyancing firms themselves provide us confirmation that they are on the Yorkshire BS conveyancing panel as opposed to being supplied with a list from Yorkshire BS directly.
Me and my partner are buying a house in Ramsgate. I might seem paranoid but how we can trust a lawyer? On completion day we will need to send our life savings into their account. What protection do 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 am assisting my sister sell her property in Ramsgate. Does the conveyancer commission an EPC or should I organise this?
Following the demise of HIPs, energy performance certificates remained a compulsory element of moving house. An EPC must be to hand in advance of the property being put on the market. It is not something that lawyers normally organise. Where you are using a Ramsgate conveyancing practitioner they might be willing to arrange energy assessments given their contacts with long established local assessors
My partner and I have organised a further advance on our mortgage from Aldermore as we intend to carry out improvements to our property in Ramsgate. Are we obliged to select a local Ramsgate solicitor on the Aldermore conveyancing panel to deal with the legals?
Aldermore don't usually appoint firms on their approved list of lawyers to handle the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Aldermore list.
I am downsizing from our home in Ramsgate and the buyers lawyers are claiming that there is a risk of it being built on contaminated land. A high street Ramsgate conveyancer would know this is not the case. It does beg the question why the purchasers used an online conveyancing practice as opposed to a conveyancing solicitor in Ramsgate. We have lived in Ramsgate for 4 years we know of no issue. Is it a good idea to contact our local Authority to obtain confirmation that the buyers are looking for.
It sounds as though you may have a conveyancing firm already. Are they able to advise? You should enquire of 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)
I am purchasing a new build house in Ramsgate with a mortgage from Birmingham Midshires. The sellers would not budge the amount so I negotiated £7000 of additionals instead. The house builders rep advised me not reveal to my conveyancer about this deal as it could affect my mortgage with Birmingham Midshires. Should I keep quiet?.
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.
What tools are available to search for a Ramsgate law firm on the The Mortgage Works conveyancing panel? I have wheels and am prepared to travel upto 20miles to meet the lawyer.
You can use the facility on this page. Please choose the lender and your location and you will see a number of Ramsgate conveyancing lawyers based on proximity. We have detailed some Ramsgate conveyancing firms towards the end of this page and you can ring them to check if they are on the The Mortgage Works member panel