Do the conveyancing lawyers listed on your site perform right to buy conveyancing in Silverton?
We have identified plenty of conveyancing experts who can service right to buy conveyancing You should e-mail the lawyers listed to secure a costs illustration.
We are selling our flat in Silverton. Will my property lawyer have to be required to be on the Coventry BS conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the Coventry BS conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their specifications fairly frequently in recent years.
My wife and I have arranged a further advance on our mortgage from Virgin Money as we intend to conduct a loft conversion to our home in Silverton. Are we obliged to choose a nearby Silverton solicitor on the Virgin Money conveyancing panel to handle the paperwork?
Virgin Money don't usually instruct firms on their conveyancing panel to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Virgin Money list.
I have decided to exercise my right to buy my property in Silverton off the council. I have a mortgage offer with HSBC. 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 use 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 HSBC, you will need to appoint a solicitor on the HSBC conveyancing panel.
I have a mortgage with Nottingham for my property in Silverton. Conveyancing has been completed a year ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Nottingham?
You must advise Nottingham in advance of renting your property as this is likely to be a breach of Nottingham’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Nottingham directly. You need not do this via a Nottingham conveyancing panel firm.
I am close to exchanging contracts on the sale of our home in Silverton and according to the buyers it appears that there is a possibility that the property was constructed land that was not decontaminated. Any high street Silverton lawyer would know that there is no such problem. It does beg the question why the buyers are using an online conveyancing practice rather than a conveyancing solicitor in Silverton. We have lived in Silverton for six years we know of no issue. Is it a good idea to contact our local Authority to get 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 check with 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 life insurance to cover that same illness)
My wife and I own a 4 bedroom Victorian property in Silverton. Conveyancing lawyer represented me and Britannia. I did a free Land Registry search last week and I saw two entries: one for freehold, the second leasehold under the exact same address. Is it worth asking Britannia to clarify?
You should read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Silverton and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the position with your conveyancing practitioner who conducted the conveyancing.
Are all Silverton solicitors on every lender conveyancing panel?
The Lexsure search tool on this page may be of use or you can drop into your high street lender branch in Silverton. the probability is that they will be in a position to list some reputable conveyancing solicitors in Silverton