We are acquiring our first home. Our conveyancing practitioner has calledto ask if we want to order supplemental conveyancing searches. As novices we in the dark as to what's needed for conveyancing in Teddington
The extent of Teddington conveyancing searches depends primarily on the premises, the location, the probability of any of these risks, your familiarity of the locality and risks, your general approach to risk. What matters is that you properly comprehend what information the searches could give you. You may then make a decision if you personally think you need that information. Should you be in doubt, ask the conveyancing practitioner to provide guidance.
When can the exchange of contracts happen for residential conveyancing in Teddington and do I need to be at the conveyancers office?
If you are in close proximity to our conveyancing solicitors in Teddington you are welcome to come in to sign the paperwork. However, the firms we recommend provide countrywide coverage for conveyancing and give as equally diligent and professional a job for you when communicating with you electronically. The executing of the contract is not the critical part. A signed contract is necessary for the firm to officially exchange when the time is right, which will usually be very shortly after signing. The procedure is is usually a five minute process, although where a long "chain" is in play, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Teddington)to be in the office available at the end of the phone to exchange contracts.
I have been referred to a conveyancing solicitor in Teddington. I need to find out whether they are accepted on the The Royal Bank of Scotland conveyancing panel. Could you help?
The first thing you should do is call the solicitor and enquire whether they can act for the bank. Alternatively you can get in touch with The Royal Bank of Scotland who may be able to assist.
I have today made my last payment due on my mortgage with Coventry BS. I assume I don't need a Teddington conveyancer on the Coventry BS panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Coventry BS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Coventry BS mortgage from the register. Coventry BS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Coventry BS has sent the Land Registry the discharge electronically, and
- Coventry BS has instructed the Land Registry to do so
I have decided to exercise my right to buy my property in Teddington off the council. I have a mortgage agreed with Nationwide. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Nationwide, you will need to appoint a solicitor on the Nationwide conveyancing panel.
I was told four weeks ago that my mortgage has been agreed to by Kent Reliance. Is it usual for Kent Reliance to only issue the offer once my solicitor in Teddington is approved on their conveyancing panel? Kent Reliance have asked my solicitor to see a copy of their Professional Indemnity Insurance Schedule.
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Kent Reliance to deal with your lawyer's application to be on the Kent Reliance conveyancing panel. There's no guarantee that your solicitor will be accepted.
Is it necessary to take out insurance to protect me from financial exposure to chancel repairs when acquiring a property in Teddington?
Unless a previous acquisition of the house completed post 12 October 2013 you can expect conveyancing practitioners delivering conveyancing in Teddington to continue to advocate a chancel search and or chancel repair liability insurance.
I have been sourcing a conveyancing lawyer in Teddington for my house move. Is it possible to review a solicitor's complaints history with the legal regulator?
Members of the public can find documented Solicitor Regulator Association (SRA) decisions arising from inquisitions from 2008 onwards. Go to Check a solicitor's record. To find details about the period before 1 January 2008, or to check a solicitors history, call 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For non-uk callers, use +44 (0)121 329 6800. The SRA could recorded telephone calls for training purposes.