Two weeks ago we had a mortgage agreed in principle with TSB. Truro conveyancing solicitors are instructed. What is the average time that one could expect to receive a mortgage offer from TSB?
There is no definitive answer here. Have TSB done the survey? Have you advised TSB as to your lawyers' details and checked that your lawyers are on the TSB conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I'm in the process of viewing flats in Truro and I am now considering a potential offer. Should I already have a conveyancing practitioner in place at this stage? I intend to finance via a mortgage with Yorkshire BS.
It would be wise to commence your search sooner rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and forward their details on to the EA. Given that you are obtaining a mortgage with Yorkshire BS, make sure you remember to check that your lawyer is on the Yorkshire BS conveyancing panel.
I am selling my house. I had a double glazing fitted in March 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Coventry BS are being difficult. The Truro solicitor who is on the Coventry BS conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Coventry BS are insisting on 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.
What does a local search reveal about the house we're purchasing in Truro?
Truro conveyancing often commences with the applying for local authority searches directly from your local Authority or through a personal search organisations for instance Searchflow The local search plays an important part in most Truro conveyancing purchase; as long as you don’t want any nasty surprises after you move into your new home. The search will provide information on, amongst other things, details on planning applications relevant to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen topic sections.
What does commercial conveyancing in Truro cover?
Non domestic conveyancing in Truro incorporates a wide range of advice, offered by qualified solicitors, relating to business premises. By way of example, this area of conveyancing can cover the sale or purchase of freehold business premises or, more usually, the transfer of existing business tenancies or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial loans and the termination of tenancies.
My husband and I are novice buyers - agreed a price, yet the selling agent has warned us that the seller will only go ahead if we appoint their preferred conveyancers as they want a ‘quick sale’. Our preferred option is to instruct a high street solicitor accustomed to conveyancing in Truro
It is highly unlikely the owners are driving this. Should the seller require ‘a quick sale', taking such a hostile approach to a motivated purchaser is likely to cause more damage than good. Contact the vendors directly and explain that (a)you are keen to buy (b)you are ready to progress, with mortgage lined up © you are chain free (d) you intend to proceed fast (e)however you are going to instruct your own,trusted Truro conveyancing solicitors - not the ones that will earn their estate agent a kickback or achieve conveyancing figures demanded by senior management.
Planning to sign contracts shortly on a studio apartment in Truro. Conveyancing solicitors inform me that they are sending me a report tomorrow. What should I be looking out for?
The report on title for your leasehold conveyancing in Truro should include some of the following:
Whether the landlord has obligations to ensure rights of quiet enjoyment over your property and do you know what it means in practice? The landlord’s rights to access the flat. You should be made aware that your landlord has rights of access as well as be informed how much notice must be provided. Are you allowed to have a pet in the flat? specifics of the parties to the lease, for example these could be the leaseholder, head lessor, landlord
Leasehold Conveyancing in Truro - A selection of Queries before buying
Are any of leasehold owners in dispute over their service charge payments? Is the freehold owned jointly by the leaseholders?
My conveyancing in Truro is completing next Friday, but the sellers I am purchasing from wishes to vacate on the Saturday PM. Should I agree to such a idea?
You can't complete on a Saturday due to the bank systems are not working.