Having been told to check out your service we were going to go ahead with a conveyancing solicitor in Teignmouth found on your site but stumbled across alternative estimates on the internet appear cheaper – why is this?
There are lots of conveyancers marketing theoretically looks to be cut price. Our recommendation is to think twice as to how much you respect your own move to you are willing to be penny wise pound foolish with regard to the quality of the conveyancing. Some hide additional charges deep into the terms and conditions. The law firms that we put forward for conveyancing in Teignmouth neverdo this.
My husband and I wish to acquire a newbuild apartment in Teignmouth with a loan from Alliance & Leicester .We use our Teignmouth conveyancing solicitor but Alliance & Leicester informed us he's not listed on their approved list of firms. It seems we are left with little choice but to instruct a Alliance & Leicester panel solicitor or retain our local solicitor and fork out for a Alliance & Leicester panel lawyer to act for them. We feel as though this is unjust; is there anything we can do?
No, not really. The loan issued to you contains terms and conditions, one of which will be that lawyers needs to be on the Alliance & Leicester approved list. in the past, most lenders had large numbers of solicitors on their panels: a borrower could find one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your lawyer to apply to be on the conveyancing panel for Alliance & Leicester
I am assisting my sister sell her property in Teignmouth. Does the conveyancer arrange the energy performance certificate or do I organise this?
After the demise of Home Packs, energy assessments became a compulsory part of selling a house. An energy performance certificate should be to hand prior to the property being placed on the market. This is not a task that conveyancers ordinarily arrange. Where you are using a Teignmouth conveyancing lawyer they may be able to arrange energy assessments given their contacts with reputable local providers
My husband and I have organised a further advance on our mortgage from Leeds Building Society as we intend to carry out a loft conversion to our home in Teignmouth. Are we obliged to choose a high street Teignmouth solicitor on the Leeds Building Society conveyancing panel to deal with the legals?
Leeds Building Society don't usually require firms on their conveyancing panel to handle such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Leeds Building Society panel.
I have decided to exercise my right to buy my property in Teignmouth off the council. I have a mortgage agreed with UBS. 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 UBS, you will need to appoint a solicitor on the UBS conveyancing panel.
My wife and I have a 4 bedroom Victorian house in Teignmouth. Conveyancing lawyer acted for me and The Royal Bank of Scotland. I did a free Land Registry search last week and I saw two entries: one for freehold, the second leasehold with the exact same address. I thought I was buying a freehold how can I check?
You need to read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Teignmouth and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also question the situation with the conveyancing solicitor who carried out the work.
Due to the input of my in-laws I had a survey completed on a house in Teignmouth before retaining solicitors. I have been advised that there is a flying freehold element to the house. The surveyor advised that some mortgage companies will not give a loan on such a property.
It varies from the lender to lender. Bank of Scotland has different instructions from Nationwide. If you e-mail us we can investigate further via the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Teignmouth. Conveyancing may be slightly more expensive based on your lender's requirements.
Taking into account that I will soon part with £400,000 on 3 bedroom house in Teignmouth I wish to talk to a lawyer concerning theconveyancing before instructing the firm. Can this be arranged?
This is something that we encourage - we would be happy to talk to you we do not take any clients on without you speaking to the lawyer due to be doing your conveyancing in Teignmouth.There is no ‘factory style conveyancing’ - each client is unique individual, not a case reference. The solicitors that we put you in touch with believe that the fees you are quoted for your conveyancing in Teignmouth should be the figure that you are charged.