We hired a St Columb based firm for our conveyancing in St Columb last week. Upon checking the official terms of business it is apparent thatwe are liable for costs even where the conveyance does not complete. Should I ditch them and select an internet solicitor practice offering no move no charge conveyancing in St Columb?
It is usually ‘give and take’ in that if "No Sale No Fee" is advertised then the conveyancing charges will generally be uplifted to counteract the cases that abort. Dont forget that such schemes generally do not protect you from expenditure by way of example St Columb conveyancing search charges.
My husband and I are buying a newly constructed duplex in St Columb and my conveyancer is telling me that she is duty bound to the lender to reveal incentives from the developer. I am on a tight deadline to exchange contracts and I would rather not prolong matters. is my lawyer playing by the book?
You should not exchange unless you have been advised to do so by your conveyancer. A precondition to being on a mortgage company panel is to comply with the UK Finance Lenders’ Handbook provisions. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
It is 10 years ago since I acquired my home in St Columb. Conveyancing lawyers have now been instructed on the sale but I can't locate my title deeds. Is this a major issue?
You need not be too concerned. Firstly there is a possibility that the deeds will be kept by your mortgage company or they may be in the possession of the lawyers who acted in your purchase. Secondly the likelihood is that the land will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing lawyers obtaining up to date copy of the land registers. Nearly all conveyancing in St Columb relates to registered property but in the unlikely event that your property is not registered it adds to the complexity but is not insurmountable.
I've recently found out that there is a flying freehold issue on a house I have offered on two weeks back in what was supposed to be a simple, chain free conveyancing. St Columb is the location of the property. What do you suggest?
Flying freeholds in St Columb are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside St Columb you must be sure that your lawyer goes through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in St Columb may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
What tools are available to identify a St Columb solicitor on the TSB conveyancing panel? I drive a motor bike and am happy to travel upto 25miles to meet the lawyer.
Feel free to make use of the tool on this website. Please choose the lender and your location and you will see a number of St Columb conveyancing lawyers locally. We have listed some St Columb conveyancing firms at the bottom of this page and you can telephone them to check if they are on the TSB member panel
My brother has suggested that I instruct his lawyers for conveyancing in St Columb. Do I follow his guidance?
There are no two ways about it the ideal way to find a conveyancing practitioner is to seek guidance from friends or relatives who have actually experience in using the solicitor you're are thinking of instructing.