Do all mortgage companies provide you with an approved list of Sefton conveyancing solicitors? How do you know who is on the Virgin Money conveyancing panel?
Sefton conveyancing firms themselves provide us confirmation that they are on the Virgin Money conveyancing panel as opposed to being supplied with a list from Virgin Money directly.
I am purchasing a right to buy a flat in Sefton. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing in Sefton you will have to appoint a solicitor on your mortgage company's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Sefton.
We previously instructed conveyancers located in Sefton on the Coventry BS solicitor panel. They have just invoiced me a further amount for dealing with the Coventry BS mortgage. Is this an additional conveyancing fee specified by Coventry BS?
As unfair as it may appear, as long as it’s in their Terms of Engagement or Quote then yes your conveyancing practitioner is entitled to charge a fee for this. The charge is not set by Coventry BS but by your Sefton conveyancing practitioner. Numerous firms on the Coventry BS panel will charge an ‘acting for lender’ fee and others do not.
I am currently in the process of buying my council flat in Sefton. I have a mortgage agreed with Aldermore. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Aldermore, you will need to appoint a solicitor on the Aldermore conveyancing panel.
I recently had an offer agreed on a house in Sefton. My mortgage broker recommended their conveyancers. I paid an on account payment of £150. A couple of days later, the conveyancing practitioner called me embarrassingly acknowledging that they were not on the Yorkshire BS 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 Yorkshire BS 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.
three months have elapsed following my purchase conveyancing in Sefton completed. I have checked the Land Registry website which shows that I paid £200,000 when infact I paid £170,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the premises from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I decided to have a survey done on a property in Sefton prior to retaining solicitors. I have been told that there is a flying freehold overhang to the house. Our surveyor has said that some mortgage companies tend not issue a mortgage on such a premises.
It depends who your proposed lender is. Bank of Scotland has different instructions for example to Nationwide. If you e-mail us we can check with 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 Sefton. Conveyancing will be smoother if you use a solicitor in Sefton especially if they are accustomed to such properties in Sefton.
I am looking to sell my home. My previous conveyancers has retired. I am in need of a recommendation of a conveyancing firm. I happen to live in Sefton if that makes a difference.
You should use our search tool to help you choose a solicitor for your conveyancing in Sefton. We have connected thousands of home buyers and sellers with regulated solicitors to ensure that the legalities of their house move runs smoothly.