The Birmingham conveyancing firm handling our Birmingham conveyancing has identified an inconsistency when comparing the assumptions in the home valuation survey and what is revealed within the legal papers for the property. My lawyer has advised that he must check that the lender is OK with this discrepancy and is still content to lend. Is my solicitor’s stance appropriate?
Your property lawyer must comply with the UK Finance Lenders’ Handbook provisions 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.
My wife and I are downsizing from our property in Birmingham and the buyers lawyers are claiming that there is a possibility that the property was built land that was not decontaminated. Any high street Birmingham conveyancer would know this is not the case. It does beg the question why the purchasers instructed a factory type conveyancing firm as opposed to a conveyancing solicitor in Birmingham. Having lived in Birmingham for six years we know of no issue. Is it a good idea to get in touch with our local Authority to seek clarification that the buyers are looking for.
It would appear that you have a conveyancing solicitor currently acting for you. What do they say? You must check with 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 life insurance to cover that same illness)
I have todaybecome aware that Stirling Law have closed. They carried out my conveyancing in Birmingham for a purchase of a freehold house 18 months ago. How can I check that the property is not still registered in the name of the former proprietor?
The quickest way to check if the premises is registered to you, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Birmingham conveyancing specialists.
I opted to have a survey done on a property in Birmingham ahead of retaining conveyancers. I have been informed that there is a flying freehold aspect to the house. My surveyor has said that some banks may refuse to grant a loan on such a premises.
It varies from the lender to lender. Santander has different instructions for example to Birmingham Midshires. If you contact us we can check with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Birmingham. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Birmingham to see if the conveyancing will be more expensive.
I have recently placed an offer on a leasehold flat in Birmingham and the broker that we are using suggested his lawyer. He quoted £800 including VAT and 3rd party costs. Does this sound like a good deal?
Don't just go on 1 quote. You should obtain like-for-like quotes for your conveyancing in Birmingham. Then pick one that you are comfortable with and crucially, is on the approved panel of the mortgage company that you have applied for a mortgage from.