I am purchasing a flat and need a conveyancing solicitor in Tilehurst who is on the Clydesdale conveyancing. Can you recommend a local conveyancing firm?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Clydesdale in certain locations such as Tilehurst. We dont recommend any particular firm.
We are buying a terrace house in Tilehurst. We would like to convert the garage to a playroom at the house.Will the conveyancing process involve checks to see if these alterations are allowed?
Your property lawyer will review the registered title as conveyancing in Tilehurst can occasionally reveal restrictions in the title documents which restrict categories of alterations or require the consent of another owner. Certain extensions need local authority planning consent and approval in compliance with building regulations. Some locations are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. You should check these things with a surveyor before you commit yourself to a purchase.
I can not work out if my lender requires a lease extension. I have telephoned my Tilehurst bank branch on numerous occasions and was told it wasn't a problem and they would lend. My Tilehurst conveyancing solicitor - who is on the bank conveyancing panel- telephoned to say that they would not lend based on their specific requirements. Who do I believe?
Your conveyancing practitioner has to comply with the Council of Mortgage Lenders’ Handbook section two conditions for your lender. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
I have finally had an offer on an apartment in Tilehurst accepted, but there is a chain. The vendors have placed an offer on a flat, however it’s not been accepted yet, and have viewings of other apartments booked. I have chosen a nearby conveyancing solicitor in Tilehurst. What should be my next step? When do I get the mortgage application with Principality going?
It is understandable to have anxieties where there is a chain as you are unlikely to want to incur expenses prematurely (mortgage application is approx one thousand pounds, then survey, Tilehurst conveyancing search costs, etc). First, you must check that your solicitor is on the Principality conveyancing panel. As to the subsequent steps this very much dictated by the specifics of your case, motivation for the property and on the state of the market. In a hot market some home buyers would apply for a home loan with Principality and arrange for the valuation and only if it was satisfactory would they pay their conveyancer to proceed with searches.
I am planning on selling our property in Tilehurst and the buyers lawyers are claiming that there is a risk of it being constructed land that was not decontaminated. Any local conveyancer would know this is not the case. For the life of me I don't know why the buyers instructed an internet conveyancing firm rather than a conveyancing solicitor in Tilehurst. Having lived in Tilehurst for three years we know of no issue. Is it a good idea to get in touch with our local Authority to obtain confirmation that there is no issue.
It sounds as though you may have a conveyancing firm currently acting for you. Are they able to advise? You should enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same illness)
How does conveyancing in Tilehurst differ for new build properties?
Most buyers of new build residence in Tilehurst contact us having been asked by the builder to exchange contracts and commit to the purchase even before the premises is completed. This is because builders in Tilehurst tend to purchase the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Tilehurst or who has acted in the same development.
Due to the encouragement of my in-laws I had a survey completed on a property in Tilehurst ahead of retaining lawyers. I have been told that there is a flying freehold aspect to the house. My surveyor advised that some banks tend refuse to issue a mortgage on such a premises.
It depends who your proposed lender is. Bank of Scotland has different requirements from Halifax. If you call us we can check via 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 Tilehurst. Conveyancing will be smoother if you use a solicitor in Tilehurst especially if they are familiar with such properties in Tilehurst.
Our lawyer in Tilehurst is asking me for ID documents asserting that this is part of his legal duty as a solicitor on the mortgage company Conveyancing panel. Can this be correct?
Due to Money Laundering Regulations your conveyancing lawyer is duty bound to confirm positively your identification when entering into a business relationship with you. It is a criminal offence if your lawyer not do this. If you do not provide ID early in the transaction the solicitor must refuse to act for you. It’s unlikely a lawyer will turn you away if you come to the first meeting without relevant ID but you will have to produce it at some point so you might as well bring it with you to the initial meeting so the lawyer can tick the ID verification box and start sorting out the conveyancing straight away. If you are getting a mortgage, your lawyer also has to check ID documents to satisfy the bank. This is not unique to conveyancing in Tilehurst