Am I correct in assuming that the fact that my conveyancer in The Hale is not identified on my bank's solicitor panel that there is a problem with the standard of her work?
That would most likely be an incorrect assumption to make. There are all sorts of perfectly reasonable explanations. Just recently a report by the solicitors regulator revealed that over three quarters of law firms surveyed had been removed from at least one lender panel. The top 5 reasons are as follows: (1) low volume of transactions (2) the solicitor is a sole practitioner (3) as part of the HSBC panel reduction (4) regulatory contact by SRA (5) accidental removal. If you are concerned you should simply call the The Hale conveyancing firm and ask them why they are no longer on the approved list for your mortgage company.
Why do I have to pay up front when it comes to conveyancing in The Hale?
Where you are retaining lawyers for conveyancing in The Hale your solicitor will request that you to provide them with funds to cover the the cost of the conveyancing searches. This will be the total of the cost of the Local Authority Search. When the down payment is as part of the purchase price then this will be needed shortly ahead of contracts are exchanged. Any further balance that is needed should be sent to your lawyer shortly before completion.
My solicitor has informed me that absentee landlord insurance is necessary on my purchase. What is the level of cover for The Hale conveyancing?
The right level of absentee landlord indemnity insurance depends on who your lender is. It would differ for example between Barclays and Chelsea Building Society. Conveyancing solicitors as opposed to members of the public take out such policies.
I am selling my house. I had a double glazing fitted in April 2006, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Coventry BS are being problematic. The The Hale solicitor who is on the Coventry BS conveyancing panel is recommending indemnity insurance as a solution but Coventry BS are requiring a building regulation certificate. Why do Coventry BS have a conveyancing panel if they don't accept advice from them?
It is probably the case that Coventry BS have referred the matter to their valuer. The reason why Coventry BS may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
After shopping around on the internet I have found a The Hale lawyer having made sure that they are on the Skipton conveyancing panel. Does my lawyer arrange the survey of the property?
Skipton will need an independent valuation of the property. Your lawyer will not arrange this. Usually Skipton will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own The Hale surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
I opted to have a survey done on a house in The Hale before appointing solicitors. I have been told that there is a flying freehold overhang to the property. Our surveyor advised that some banks tend not grant a loan on a flying freehold premises.
It depends who your proposed lender is. Bank of Scotland has different instructions from Nationwide. Should you wish to telephone us we can look into this further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in The Hale. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in The Hale to see if the conveyancing costs will increase in light of this.
My business partner and I are hoping to take an assignment of a lease of a shop on the high street. Can you recommend solicitors offering no-move-no costs for non-domestic conveyancing in The Hale for under 2k?
We are happy to recommend firms who host a wealth of experience of commercial conveyancing in The Hale, including the disposal and acquisition of businesses as well as simply property. If you are hoping to acquire or dispose of a shop, pub, restaurant, office, retail unit or a whole business we will put you in touch with the right firm. Regarding the fees these will vary based on the structure and nuances of the deal. Please provide us with your details or phone us so that we may furnish you with comprehensive commercial conveyancing calculation.
My father has suggested that I instruct his conveyancing solicitors in The Hale. Should I find my own property lawyer?
No doubt it’s preferable to find a conveyancing lawyer is to have guidance from friends or relatives who have previously instructed the firm that you are contemplating using.