We're in Tibshelf, FTBs purchasing with a mortgage (lender is Bank of Ireland , and our lawyer is on the Bank of Ireland conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Bank of Ireland conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no property lawyer should guarantee a timeframe for your conveyancing, due to third parties outside of your control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain.
I am purchasing a victorian detached house in Tibshelf. We would like to carry out a loft conversion at the house.Will legal work on the property include investigations to see if these alterations were previously refused?
Your property lawyer will review the deeds as conveyancing in Tibshelf can sometimes identify restrictions in the title documents which restrict certain works or need the permission of a 3rd party. Certain additions call for local authority planning consent and approval under the building regulations. Some locations are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. It would be sensible to check these issues with a surveyor ahead of any purchase.
Can I be sure that the Tibshelf conveyancing solicitor on the UBS panel is any good?
When it comes to conveyancing in Tibshelf getting recommendations is a good start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always advise that you speak with the lawyer handling your transaction.
I have decided to exercise my right to buy my property in Tibshelf off the council. I have a mortgage agreed with Clydesdale. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use 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 Clydesdale, you will need to appoint a solicitor on the Clydesdale conveyancing panel.
Despite weeks of looking the Title Certificate and documents to my home can not be found. The lawyers who dealt with the conveyancing in Tibshelf 5 years ago no longer exist. Will I be able to sell the house?
Gone are the days when you need to hold title deeds to establish that you are the registered proprietor of land or premises, given that the Land Registry hold details of all registered land or property electronically.
I'm buying a new build house in Tibshelf with a mortgage from HSBC Bank. The sellers would not budge the price so I negotiated 6k of fixtures and fittings instead. The house builders rep told me not disclose to my conveyancer about this extras as it could impact my mortgage with the lender. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Due to the advice of my in-laws I had a survey completed on a property in Tibshelf ahead of appointing solicitors. I have been told that there is a flying freehold overhang to the house. Our surveyor has said that some mortgage companies will not give a mortgage on such a property.
It varies from the lender to lender. Santander has different requirements from Halifax. Should you wish to telephone us we can look into this further with the appropriate lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Tibshelf. Conveyancing may be slightly more expensive based on your lender's requirements.
I was pointed in your direction by three or four local selling agents in Tibshelf to locate a property lawyer on your site. What’s the financial advantage for Estate Agents to offer your services ahead of a competitor’s?
We refuse to make any referral fee for directing people to this site. We thought it would be too underhand a fee as members of the public would think, ‘How come the agent getting a kickback? Why aren’t I getting any benefit too?’ So we decided to step away from that.