My lawyer in Salisbury has never been on on the Coventry Building Society Solicitor Panel. Is it possible for me to use my prefered solicitor notwithstanding that they are not on the Coventry Building Society panel?
Your options are as follows:
- Complete the purchase with your existing Salisbury solicitors but Coventry Building Society will need to use a conveyancer on their panel. This will result in additional overall conveyancing charges and cause frustration.
- Choose a new lawyer to act in the conveyancing, remembering to check they are Persuade your lawyer to use their best endeavours to join the Coventry Building Society conveyancing panel
Forgive me if this question is silly but I am wet behind the ears as FTB of a two bedroom flat in Salisbury. Do I collect the keys to the property on completion from my lawyer? If so, I will find a High Street conveyancing solicitor in Salisbury?
On the day of completion you do not need to go to the conveyancers office in Salisbury. Your solicitors will transfer the completion advance to the seller's solicitors, and shortly after the monies have arrived, you will be invited to pick up the keys from the Estate Agents and move into your new home. This tends to happen early afternoon.
I have today made my last payment due on my mortgage with UBS. I assume I don't need a Salisbury lawyer on the UBS panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your UBS 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 UBS mortgage from the register. UBS, 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 UBS has sent the Land Registry the discharge electronically, and
- UBS has instructed the Land Registry to do so
I recently had an offer agreed on a house in Salisbury. My mortgage broker recommended their conveyancers. I paid an upfront payment of £175. A couple of days later, the conveyancing practitioner contacted me sheepishly admitting that they were not on the Leeds Building Society 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 Leeds Building Society 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.
Despite weeks of looking the Title Certificate and documents to my home can not be found. The conveyancers who did the conveyancing in Salisbury 5 years ago are no longer around. What do I do?
As long as the title is registered the information relating to your ownership will be retained by the Land Registry with a Title Number. It is possible to carry out a search at the Land Registry, locate your property and obtain up to date copies of the Registered Entries for less than a fiver. If the title is Leasehold then the Land Registry will also normally retain a certified duplicate of the Registered Lease and again, a copy can be obtained for twenty pounds.
How does conveyancing in Salisbury differ for new build properties?
Most buyers of new build property in Salisbury come to us having been asked by the housebuilder to exchange contracts and commit to the purchase even before the house is finished. This is because house builders in Salisbury typically purchase the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Salisbury or who has acted in the same development.
I decided to have a survey done on a house in Salisbury in advance of instructing conveyancers. I have been told that there is a flying freehold overhang to the property. Our surveyor has said that some banks tend not issue a mortgage on such a house.
It depends who your proposed lender is. HSBC has different instructions from Birmingham Midshires. Should you wish to call us we can check via the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Salisbury. Conveyancing will be smoother if you use a solicitor in Salisbury especially if they are acquainted with such properties in Salisbury.
Is there anything unique about your site and other online quote calculators when it comes to conveyancing in Salisbury?
At this site secure a fixed fee quote via a Solicitor or Licensed Conveyancer that understands the nuances for your conveyancing in Salisbury. Unlike many estate agents and brokerage sites we do not charge firms a fee if you choose them for your home move in Salisbury