The Whitland conveyancing firm handling our Whitland conveyancing has discovered a discrepancy between the information in the valuation report and what is revealed within the title deeds. My solicitor informs me that he is duty bound to ensure that the bank is OK with this discrepancy and is content to go ahead. Is my solicitor’s stance legitimate?
Your property lawyer must comply with the UK Finance Lenders’ Handbook conditions which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.
We are selling our flat in Whitland. Will my property lawyer need to be on the Principality conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Principality conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently in recent years.
My partner and I are downsizing from our house in Whitland and according to the buyers it appears that there is a risk of it being built on contaminated land. A local conveyancer would know that there is no such problem. It does beg the question why the buyers are using a national conveyancing practice as opposed to a conveyancing solicitor in Whitland. Having lived in Whitland for many years we know of no issue. Do we contact our local Authority to seek clarification that there is no issue.
It would appear that you have a conveyancing solicitor already. Are they able to advise? You must 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)
Due to the encouragement of my in-laws I had a survey completed on a property in Whitland before instructing conveyancers. I have been informed that there is a flying freehold element to the property. The surveyor has said that some mortgage companies will refuse to give a loan on such a property.
It varies from the lender to lender. HSBC has different requirements for example to Birmingham Midshires. If you contact us we can check via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Whitland. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Whitland to see if the conveyancing will be more expensive.
We are 14 days into a freehold purchase having been referred to conveyancers by the high street agent to handle our conveyancing in Whitland. I am am starting to be disappointed with the quality of service. Could you help me find new lawyers?
They would need to be really bad to suggest diss instructing them. Has the mortgage been sent? If so you will need to advise them of the new contact details and have the loan are re-sent. The conveyancer needs to be on the banks approved list to avoid escalating charges and frustration. That should be your starting point. Our search tool will assist you in finding a bank approved solicitor for your home move in Whitland
I acquired a house in Whitland last 16/12/2021 and to date it is still not registered with HMLR. It is part of a new estate and my conveyancer told me that it can take over a year to complete the registration formalities. I have called the Land Registry directly and they say that the original application was cancelled due to questions not being addressed in time. Should I be concerned?
Contact your conveyancer - if you are not getting sensible responses, find out about their internal complaints protocol and amplify your problem to a Partner. Registrations for Whitland conveyancing are not known to be especially complex.