We had selected conveyancers based in Bispham on the Coventry BS solicitor panel. They have just invoiced me a separate sum for the legal aspects of the Coventry BS mortgage. Is this an additional conveyancing fee set by Coventry BS?
Unfortunately, so long as it is in their Terms of Engagement or estimate then yes your conveyancing practitioner may charge a fee for this. The fee is not dictated by Coventry BS but by your Bispham conveyancing practitioner. Numerous firms on the Coventry BS panel will charge ’dealing with mortgage’ fee but some firms include it on their overall fee.
I had a mortgage agreed in principle with UBS. Bispham conveyancing solicitors have been instructed. What is the average time that one could expect to receive a mortgage offer from UBS?
There is no definitive answer here. Have UBS completed the valuation? Have you informed UBS as to your lawyers' details and checked that your lawyers are on the UBS conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I am due to exchange contracts on my apartment. I had a double glazing fitted in February 2006, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Yorkshire BS are being difficult. The Bispham solicitor who is on the Yorkshire BS conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Yorkshire BS are insisting on a building regulation certificate. Why do Yorkshire BS have a conveyancing panel if they don't accept advice from them?
It is probably the case that Yorkshire BS have referred the matter to their valuer. The reason why Yorkshire 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.
I need some fast conveyancing in Bispham as I have pressure to exchange contracts within one month. A home loan is not required. Can I escape the need for conveyancing searches to save money and time?
As you are are a cash buyer you are at liberty not to do searches although no solicitor would suggest that you don't. With plenty of history conveyancing in Bispham the following are instances of what can be revealed and therefore impact market value: Refused Planning Applications, Outstanding Charges, Overdue Grants, Road Schemes,...
Me and my brother own a semi-detached Edwardian house in Bispham. Conveyancing practitioner represented me and Godiva Mortgages Ltd. I did a free Land Registry search last week and there are a couple of entries: one for freehold, another for leasehold with the matching address. Is it worth asking Godiva Mortgages Ltd to clarify?
You need to assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Bispham and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the situation with your conveyancing solicitor who carried out the work.
I decided to have a survey done on a house in Bispham prior to instructing lawyers. I have been told that there is a flying freehold element to the property. Our surveyor advised that some mortgage companies will refuse to give a mortgage on such a house.
It varies from the lender to lender. HSBC has different requirements for example to Nationwide. If you e-mail us we can investigate further via the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Bispham. Conveyancing will be smoother if you use a solicitor in Bispham especially if they are accustomed to such properties in Bispham.
In sourcing the internet for the phrase cheap conveyancing in Bispham it brings up numerous property lawyersin the area. How do I determine which is the suitable conveyancer for my move?
The preferential way of choosing the right conveyancer is via personal testimonial, so seek the opinion of colleagues and those you trust who have bought a property in Bispham or the reputable estate agent or mortgage broker. Fees for conveyancing in Bispham vary, so it's sensible to request at least four quotes from different property lawyers. Dont forget to clarify that the fees are fixed.