I was told today by my mortgage adviser that my Sprowston property lawyer is not on the bank Solicitor panel. How can I check?
You need to call your Sprowston conveyancer. It is reasonable to expect your lawyer to inform you of the situation. If they are not on the panel they could put your in touch with solicitors on the conveyancing panel for your mortgage company.
Do the conveyancing practitioners to be found on your site handle auction conveyancing in Sprowston?
We know of a number of auction solicitors we can connect you with those conducting auction conveyancing. Sprowston is one of the many locations where our lawyers cover.
If you had a top tip for choosing a conveyancing solicitor in Sprowston what would it be?
We would encourage you not to base your choice on the lowest Sprowston conveyancing quote. You really do get what you pay for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.
I have today made my last payment due on my mortgage with Barclays. I assume I don't need a Sprowston conveyancer on the Barclays panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Barclays 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 Barclays mortgage from the register. Barclays, 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 Barclays has sent the Land Registry the discharge electronically, and
- Barclays has instructed the Land Registry to do so
Clydesdale have agreed my mortgage in principle, my bid on a flat in Sprowston has been agreed to, what happens next?
Your property agent will wish to be advised as to your conveyancer's details (make sure the conveyancing practitioners are on the lender’s approved list). Telephone Clydesdale or your financial adviser and finish off any relevant forms. Clydesdale will instruct a valuer who will get in contact with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes on average a fortnight for the mortgage offer to be issued. Clydesdale will issue the offer to you and your property lawyers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Sprowston.
What does a local search inform me concerning the house I am buying in Sprowston?
Sprowston conveyancing often commences with the applying for local authority searches directly from your local Authority or through a personal search company for instance Xpress Legal The local search plays a central part in most Sprowston conveyancing purchase; as long as you don’t want any unpleasant surprises after you move into your property. The search should provide information on, amongst other things, details on planning applications relevant to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 topic areas.
I'm remortgaging my current property to a buy to let loan with Bank of Ireland and intend to use the remaining equity towards further property. The area we are interested in is Sprowston. Will your solicitors be able to act for both sets of mortgage companies and tie in the conveyances?
Do use our search tool on this site to be sure that the conveyancers are on the relevant lender panels. On the basis that they are the conveyancer should be able to connect the two transactions but you should have a chat with you conveyancer and communicate your expectations and requirements.
Me and my partner have just had an offer accepted on a house and had an appointment on Monday with Leeds Building Society for the mortgage. They warned us that when it comes to appointing a property lawyer that unless they are on their approved list of conveyancing practitioners then we will be subject to an an additional charge of £250+. This is is due to the fact that they will then have to instruct a conveyancer to act for them in addition to the one we choose to act on our behalf and we will be on the hook for their fees. I have asked Leeds Building Society to furnish me with a list so I can request quotes only from their approved conveyancers but was told that I need to check with each individual conveyancer to see if they are on the panel. What would be the best way of going about this?
You should ask Leeds Building Society what their criteria for panel membership is for a solicitor.Thereafter ask the property lawyer of your choice whether they meet the criteria and have they acted on mortgages for Leeds Building Society in the past. If the answer to those is yes, then just clarify this with Leeds Building Society. Another option is to utilise our search facility and we may be able to identify a property lawyer in Sprowston on the approved list for Leeds Building Society.