Please could you suggest a Birmingham Midshires allowed St Annes conveyancing lawyer finish our house move within under 3 weeks? Would it be better to use a local St Annes solicitor or a nationwide comparison site?
We would be happy to suggest some excellent St Annes conveyancing firms. You can also walk up the high street in St Annes. Go in to two or three firms and request to speak with a conveyancing solicitor for a fee estimate. Mention your expectations together with your reasons and get a commitment on speed. Choose the one that you are most comfortable with.
Will my conveyancing lawyers need to check that the building insurance when buying a house in St Annes. My lender is Chelsea Building Society
Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 25/3/2023, the requirements read as follows :
Is it the case that all St Annes solicitor firms on the Nationwide conveyancing panel are overseen by the SRA?
As solicitors, in order to be on the Nationwide approved list of solicitors they would need to be regulated by the Solicitors Regulatory Authority. The majority of banks do permit licenced conveyancers on their panel in which case such organisation would be regulated by the CLC.
We had chosen conveyancing lawyers based in St Annes on the Coventry BS solicitor approved list. They are now charging me an additional sum for dealing with the Coventry BS mortgage. Is this an additional conveyancing fee specified by Coventry BS?
Unfortunately, so long as it is in their Terms of Engagement or estimate then yes your conveyancer is entitled to charge a fee for this. This charge is not dictated by Coventry BS but by your St Annes solicitor. Numerous firms on the Coventry BS panel will levy ’dealing with mortgage’ fee but some firms include it on their overall fee.
About to purchase maisonette in St Annes. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Skipton conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the St Annes conveyancer is on the Skipton conveyancing panel.
I used Wolstenholmes several years ago for my conveyancing in St Annes. I now require my file however cannot find the solicitor. What do I do?
You should contact the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in St Annes of the conveyancing firm of solicitors you previously retained, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I'm buying a new build house in St Annes with a mortgage from Halifax. The builders would not move on the amount so I negotiated 6k of extras instead. The property agent suggested that I not reveal to my solicitor about this deal as it will jeopardize my loan with the bank. Is this normal?.
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.
I have been on the look out for a leasehold apartment up to £235,500 and found one near me in St Annes I like with a park and transport links in the vicinity, the downside is that it's only got 52 years unexpired on the lease. I can't really find anything else in St Annes suitable, so just wondered if I would be making a mistake purchasing a short lease?
Should you require a home loan the remaining unexpired lease term may be an issue. Discount the price by the expected lease extension will cost if it has not already been discounted. If the current owner has owned the property for at least 2 years you can request that they commence the lease extension formalities and then assign it to you. You can add 90 years to the current lease and have £0 ground rent by law. You should consult your conveyancing lawyer concerning this matter.