I am obtaining a offer of a home loan from Nat West. I hope to enlist the help of a Licensed Conveyancer in Worcester. Does the Nat West Conveyancing panel allow for conveyancers regulated by the CLC?
The Nat West approved solicitor list is, like many other lenders, associated to the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
We note that you have a post code search directory listing firms on the Bank of Ireland conveyancing panel. Do companies pay you a referral fee if I appoint them for our conveyancing in Worcester?
We are a listing service only for law firms wishing to communicate if they are on the Bank of Ireland conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Worcester.
I am buying a flat and require a conveyancing solicitor in Worcester who is on the Skipton Building Society approved. Could you point me in the right direction as regards a firm?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Skipton Building Society in certain locations such as Worcester. We dont recommend any particular firm.
Forgive me if this question is silly but I am wet behind the ears as a first time purchaser of a garden flat in Worcester. Do I collect the keys to the house on the completion date from my conveyancer? If so, I will find a High Street conveyancing solicitor in Worcester?
There is no need to visit the lawyers office on the day of completion. Your solicitors will transfer the purchase money to the seller's conveyancers, and shortly after the monies have arrived, you will be called to pick up the keys from the selling Agents and start moving into the property. This tends to happen between 1 and 3pm.
We are purchasing a terrace house in Worcester. We would like to carry out an extension to the side at the property.Will legal due diligence on the property include enquiries to see if these works are prohibited?
Your solicitor should check the deeds as conveyancing in Worcester can occasionally identify restrictions in the title deeds which prohibit categories of changes or require the consent of a 3rd party. Certain additions need local authority planning permissions and approval in compliance with building regulations. Certain locations are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. It would be sensible to check these issues with a surveyor ahead of any purchase.
We are getting the release of further monies on our mortgage from Virgin Money as we wish to carry out renovations to our house in Worcester. Are we obliged to choose a local Worcester solicitor on the Virgin Money conveyancing panel to deal with the paperwork?
Virgin Money don't usually appoint firms on their conveyancing panel to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Virgin Money list.
I am purchasing a new build house in Worcester with the aid of help to buy. The developers refused to budge the amount so I negotiated £7000 of fixtures and fittings instead. The house builders rep told me not reveal to my solicitor about this side-deal as it would impact my loan with TSB. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the builder 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 input of my in-laws I had a survey completed on a house in Worcester ahead of appointing lawyers. I have been advised that there is a flying freehold aspect to the house. My surveyor advised that some mortgage companies will refuse to issue a loan on a flying freehold house.
It varies from the lender to lender. Santander has different requirements from Birmingham Midshires. Should you wish to call us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Worcester. Conveyancing may be slightly more expensive based on your lender's requirements.