My wife and I have just acquired a property in St Helens. We have since encountered a number of issues with the property which we believe were missed in the conveyancing searches. What action can we take? Can you clarify the nature of searches that should have been ordered as part of conveyancing in St Helens?
It is not clear from the question as what problems have arisen and if they are unique to conveyancing in St Helens. Conveyancing searches and investigations initiated during the legal transfer of property are supposed to help avoid problems. As part of the legal transfer of property, a property owner fills in a document referred to as a SPIF. If the information proves to be inaccurate, you may have a misrepresentation claim against the owner for any losses that you have suffered. The survey should have identified any problems with the structure of the property. Assuming a detailed survey was carried out and the issues were not identified, you may have a claim against the surveyor. However, if you did not have a full survey, you may be responsible for fixing any defects that have now been noted. We would always encourage buyers to take every possible step to ensure they are completely aware of the condition of a property before purchase regardless of whether they are buying in St Helens.
We are planning to acquire a house and need a conveyancing solicitor in St Helens who is on the Bank of Ireland solicitor panel. Can you recommend a local conveyancing firm?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Bank of Ireland . We don't recommend any particular firms conducting conveyancing in St Helens.
Is there a list of Kent Reliance panel solicitors in St Helens on the UK Finance Lenders’ Handbook Website?
Unfortunately not yet. There is no such facility on the CML or Building Society Association websites. A small selection of banks make their panel listings viewable on the web. Where you are looking for a St Helens property lawyer on the Kent Reliance please use our tool.
We had instructed conveyancers based in St Helens on the Leeds Building Society solicitor panel. They are now charging me an additional charge for dealing with the Leeds Building Society mortgage. Is this an additional conveyancing fee specified by Leeds Building Society?
Provided it is contained in their Terms of Engagement or Quote then yes your lawyer is entitled to charge a fee for this. The fee is not dictated by Leeds Building Society but by your St Helens lawyer. Plenty of firms on the Leeds Building Society panel will quote an ‘acting for lender’ fee and others do not.
Last month we had a mortgage agreed in principle with Co-operative. St Helens conveyancing lawyers were chosen. What is the average time that one could expect to receive a mortgage offer from Co-operative?
There is no definitive answer here. Have Co-operative done the valuation? Have you informed Co-operative as to your lawyers' details and checked that your lawyers are on the Co-operative conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I used Action Conveyancing a few years ago for my conveyancing in St Helens. Now, I need the documents however cannot find the solicitor. What do I do?
Do 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 Helens of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I opted to have a survey completed on a property in St Helens before instructing lawyers. I have been told that there is a flying freehold overhang to the house. The surveyor has said that some mortgage companies will refuse to give a loan on such a property.
It varies from the lender to lender. Lloyds has different requirements for example to Halifax. Should you wish to telephone us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in St Helens. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in St Helens to see if the conveyancing costs will increase in light of this.
Given that I am about to part with 450k on 3 bedroom house in St Helens I wish to have a conversation with the solicitor regarding thehouse move prior to appointing the firm. Is this something that you can arrange?
This is something that we recommend - we would be pleased to talk to you we do not take any clients on without you first talking to the conveyancer who will be conducting your property ownership legalities in St Helens.There is no ‘factory style conveyancing’ - every client is an important individual, not a case number. The solicitors that we put you in touch with believe that the figure you are calculated and presented to you for your conveyancing in St Helens should be the amount on the final invoice that you are charged.