I am purchasing a maisonette in St Columb. My lawyer is not on the bank approved list. Am I still permitted to use my St Columb conveyancing solicitor even though they are excluded from the mortgage company panel?
You have numerous choices open to you here
- Carry on with your preferred St Columb solicitor but your bank will need to instruct a property lawyer on their approved panel. The net result is additional cost and probable delay.
- Choose a fresh solicitor to conduct the conveyancing, ensuring that they are on the lender conveyancing panel.
- Convince your conveyancing practitioner to do everything within their powers to join the bank’s conveyancing panel
We are purchasing a house and require a conveyancing solicitor in St Columb who is on the Leeds Building Society solicitor panel. Could you point me in the right direction as regards a solicitor?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Leeds Building Society . We don't recommend any particular firms conducting conveyancing in St Columb.
When reading mumsnet.com for a high-quality lawyer in St Columb, most post that I should look for a CQS accredited lawyer. Can you explain what CQS is?
The Law Society's Conveyancing Quality Scheme is the recognised kitemark for legal experts in home ownership transfers, trusted by some of the UK's leading mortgage companies. In 2011-12 the Conveyancing Quality Scheme was officially recognised by the Legal Ombudsman. CQS is not a scheme offered by the Society for Licensed Conveyancers. St Columb is one of the numerous areas of the UK where there are CQS solicitors.
I note that there are debates on Chancel Insurance on online forums. Do I need chancel insurance when acquiring a residence in St Columb? or Apparently there is a law dating back centuries that means some owners of property living in a parish church boundary will be compelled to pay for maintenance to the chancel in proximity to the church. Is this appropriate for conveyancing in St Columb?
Unless a previous acquisition of the house took place post 12 October 2013 you can assume that solicitors carrying out conveyancing in St Columb to continue to recommend a chancel search and or insurance against a claim.
three months have gone by since my purchase conveyancing in St Columb concluded. I have checked the Land Registry site which shows that I paid £175,000 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.
How does conveyancing in St Columb differ for newly converted properties?
Most buyers of new build residence in St Columb contact us having been asked by the seller to exchange contracts and commit to the purchase even before the residence is completed. This is because builders in St Columb tend to 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 property lawyers 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 St Columb or who has acted in the same development.