We are selling our house in Stretford. Does my conveyancing practitioner need to be required to be on the Skipton conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Skipton conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their specifications fairly frequently in recent years.
My wife and I are buying a house in Stretford. It might be a silly question but how we can trust a lawyer? At some point we have to put our life savings into their account. What is the protection we have from them run away with our deposit?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
Forgive me if this question is silly but I am unexperienced as FTB of a two bedroom flat in Stretford. Do I receive the keys to the house on the completion date from my solicitor? If so, I will use a High Street conveyancing solicitor in Stretford?
On the day of completion you will not be required to attend the conveyancers office in Stretford. Your solicitors will arrange to send the completion advance to the vendor’s lawyers, and once they have received this, you should be invited to receive the keys from the selling Agents and start moving into the property. This tends to happen between 1 and 3pm.
We were going to get a OIP from Bank of Ireland this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Bank of Ireland recommend any Stretford solicitors on the Bank of Ireland conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Stretford solicitors independently although you'll need to choose one on the Bank of Ireland conveyancing panel. The solicitor represents both you and Bank of Ireland through the process.
I am close to exchanging contracts on the sale of our property in Stretford and the buyers lawyers are claiming that there is a possibility that the property was constructed land that was not decontaminated. Any high street Stretford conveyancer would know this is not the case. It does beg the question why the purchasers are using an online conveyancing firm rather than a conveyancing solicitor in Stretford. We have lived in Stretford for 4 years we know that this is a non issue. Is it a good idea to contact our local Authority to obtain confirmation need.
It would appear that you have a conveyancing lawyer currently acting for you. Are they able to advise? You should check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same illness)
I'm remortgaging my existing home to a BTL loan with Britannia and intend to use the remaining equity towards another property. The location we are looking at is Stretford. Will your lawyers be able to act for the two mortgage companies and link together the two deals?
Do use our comparison tool on this site to be sure that the lawyers are approved by both mortgage companies. Having checked that they are the solicitor should be able to simultaneously deal with the two transactions but you should have a chat with you conveyancer and communicate your desired outcome and requirements.
I am using a search engine for the words conveyancing in Stretford it reveals numerous conveyancersin the vicinity. How do I determine which is the suitable property lawyer for me?
The best method of choosing a suitable conveyancer is via trusted referral, so ask friends and relatives who have bought a property in Stretford or a respected estate agent or mortgage broker. Charges for conveyancing in Stretford vary, so it's advisable to request a minimum of four estimates from varying types of solicitors. Make sure that you clarify that the charges are assured not to increase.
My conveyancers in Stretford have advised me that they can not locate my conveyancing file. To assist with my purchase I took out a mortgage with the mortgage company. Is it case that being on the mortgage company conveyancing panel they need to have retained the file for a prescribed period?
It very much depends from lender to lender but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the mortgage company Conveyancing Panel Terms. It might be worth you contacting the bank directly.