We are expecting a mortgage offer soon. The lender mentioned the mortgage came with free conveyancing. Is the implication that I have to appoint their panel lawyer as I would much rather appoint a local conveyancing solicitor in Stilton?
You should check but the the probability is that appoint one of their panel conveyancers should you take up the "fee-free" offer. Contact the bank and ask if they allow a monetary alternative. In the past a few lenders offered a £250 cashback as an alternative in which case you could put that amount towards the cost for your conveyancing solicitor near Stilton.
I am expecting a DIP from Nationwide this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Nationwide recommend any Stilton solicitors on the Nationwide conveyancing panel, or is it better to go independently?
You will need to appoint Stilton solicitors independently although you'll need to choose one on the Nationwide conveyancing panel. The solicitor represents both you and Nationwide through the process.
I recently had an offer agreed on an apartment in Stilton. My financial adviser pressured me to appoint their solicitor. I paid an advanced payment of £225. Shortly after, the solicitor contacted me to say that they were not on the Yorkshire BS conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Yorkshire BS panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
At last I have had an offer on a flat in Stilton accepted, but there is a chain. The owners have offered on on an apartment, but it’s not been accepted yet, and are looking at other apartments in the pipeline. I have selected a local conveyancing solicitor in Stilton. What do I do now? When do I get the mortgage application with Clydesdale going?
It is usual to have concerns where there is a chain as you are unlikely to want to incur costs too early (mortgage application is approx one thousand pounds, then valuation, Stilton conveyancing search charges, etc). First, you should check that your conveyancer is on the Clydesdale approved list. As to the subsequent steps this very much depends on the circumstances of your case, desire for the property and on the state of the market. During a buoyant market many home buyers will apply for the mortgage with Clydesdale and arrange for the valuation and only if it comes back ok would they pay their lawyer to proceed with the conveyancing in Stilton.
I used Stirling Law a few years past for my conveyancing in Stilton. Now, I need my files however cannot find the solicitor. What do I do?
Do call the Solicitors Regulatory Authority (SRA) to help locate 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 Stilton 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.
How does conveyancing in Stilton differ for newly converted properties?
Most buyers of new build residence in Stilton contact us having been asked by the builder to exchange contracts and commit to the purchase even before the premises is built. This is because builders in Stilton tend to acquire 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 Stilton or who has acted in the same development.
I opted to have a survey completed on a property in Stilton ahead of appointing lawyers. I have been advised that there is a flying freehold element to the property. Our surveyor has said that some mortgage companies may refuse to grant a mortgage on this type of home.
It depends who your proposed lender is. Lloyds has different requirements from Halifax. Should you wish to call us we can investigate further with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Stilton. Conveyancing may be slightly more expensive based on your lender's requirements.
I need to find a conveyancing solicitor for freehold conveyancing in Stilton. I have chance upon a site which looks to be the perfect answer If it is possible to get all the legals done via email that would be preferable. Do I need to be wary? What should out be looking out for?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?