We note that you have a search directory listing solicitors on the Clydesdale conveyancing panel. Do firms pay you a commission if I appoint them for our conveyancing in Thrapston?
We are a listing service only for law firms wishing to communicate if they are on the Clydesdale conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Thrapston.
My grandmother passed away six months ago and as sole heir and executor I was left the property in Thrapston. The house had a relatively small loan left on it of around £8000. I want to transfer the title deeds into my name whilst I re-mortgage to RBS, pay off the mortgage. Is this allowed?
If you plan to refinance then RBS will insist on your using a conveyancer on the RBS conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your RBS conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the RBS mortgage is registered as a charge at the Land Registry.
A relative informed me that in buying a property in Thrapston there could be various restrictions prohibiting external alterations to the property. Is this right?
There are anumerous of properties in Thrapston which have some sort of restriction or requirement of consent to perform external changes. Part of the conveyancing in Thrapston should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I have been told by my solicitor that restrictive coveneant insurance is needed on my purchase. What is the typical level of cover needed for conveyancing in Thrapston?
The appropriate level of restrictive coveneant indemnity insurance depends on who your lender is. It would differ for example between Halifax and Skipton Building Society. Conveyancing practitioners as opposed to members of the public take out such policies.
Intending to buy a apartment in Thrapston. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Skipton conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Thrapston conveyancer is on the Skipton conveyancing panel.
I understand that there are debates on Chancel Insurance on online forums. Do I require chancel insurance when purchasing a residence in Thrapston? or I am told that there is a law dating back centuries that could mean that house owners residing in a parish church boundary may be liable to pay for maintenance to the chancel in proximity to the church. Is this a legitimate concern for conveyancing in Thrapston?
Unless a previous purchase of the house completed post 12 October 2013 you may assume that conveyancing practitioners conducting conveyancing in Thrapston to remain recommending a chancel search and or insurance against a claim.
How simple is it to switch solicitor as I need to instruct one who is on the Clydesdale conveyancing panel. I hired a family conveyancing solicitor in Thrapston round the corner but he is not accepted by Clydesdale
It would be our pleasure to assist you find a conveyancing solicitor in Thrapston on the Clydesdale panel. Please note that the law firms that we work with do not pay us fee if you instruct them and are registered with the SRA who oversee all conveyancing solicitors in Thrapston. Using the find a conveyancing solicitor tool on this website, you can scrutinise charges for conveyancing solicitors in Thrapston and beyond.
What is the reason for my property lawyer requiring a list of items of identification before I can proceed with my conveyancing in Thrapston?
Thrapston lawyers are required by the Law Society, SRA, HM Land Registry and current AML Regulations to certify that the have verified the identity of their clients. It is also sometimes a condition of your bank where you are taking a mortgage. Furthermore they have to complete various forms, particularly those relating to SDLT and need to have information such as your full names, NI number and date of birth.