This question may be naive but I am new to the home moving as FTB of a two bedroom flat in Bonvilston. Do I pick up the keys to the property on completion from my conveyancer? If so, I will use a High Street conveyancing solicitor in Bonvilston?
There is no need to visit the lawyers office on the day of completion. Your solicitors will arrange to send the completion advance to the vendor’s conveyancers, and once they have received this, you will be invited to collect the keys from the Estate Agents and move into your new home. Usually this occurs between 1 and 3pm.
We expect to receive a AIP from Bank of Ireland this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Bank of Ireland recommend any Bonvilston solicitors on the Bank of Ireland conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Bonvilston solicitors independently although you'll need to choose one on the Bank of Ireland conveyancing panel. The solicitor represents both you and Bank of Ireland through the process.
Completion of my purchase has taken place for my property in Bonvilston. Conveyancing was satisfactory but I would like to complain about the lender. How does one go about formally complaining?
All banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. We understand that complaints to a lender are resolved very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
How does conveyancing in Bonvilston differ for new build properties?
Most buyers of new build residence in Bonvilston approach us having been asked by the housebuilder to exchange contracts and commit to the purchase even before the residence is finished. This is because new home sellers in Bonvilston usually acquire the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Bonvilston or who has acted in the same development.
I opted to have a survey completed on a house in Bonvilston in advance of retaining solicitors. I have been told that there is a flying freehold aspect to the property. Our surveyor has said that some mortgage companies will refuse to issue a loan on this type of property.
It varies from the lender to lender. HSBC has different instructions for example to Nationwide. Should you wish to call us we can check via the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Bonvilston. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Bonvilston to see if the conveyancing costs will increase in light of this.
What is different about your site and other online quote calculators for conveyancing in Bonvilston?
At this site obtain a fixed fee quote from a Solicitor or Licensed Conveyancer that appreciates the issues for your conveyancing in Bonvilston. Unlike many estate agents and brokerage sites we do not have commission deals with solicitors. Some agents and online brokers 'recommend' solicitors paying the highest kickback, rather than the best value conveyancing in Bonvilston
My husband and I are FTB’s - had an offer accepted, but the estate agent informed us that the owners will only go ahead if we use their recommended lawyers as they need a ‘quick sale’. We would rather use a family conveyancer who is familiar with conveyancing in Bonvilston
We suspect that the owner is unaware of this demand. Should the vendor desire ‘a quick sale', alienating a serious buyer is likely to cause more damage than good. Speak to the owners direct and make the point that (a)you are genuine purchasers (b)you are ready to progress, with mortgage lined up © you have nothing to sell (d) you wish to move quickly (e)but you intend to instruct your preferred Bonvilston conveyancing solicitors - not the ones that will provide the estate agent a referral fee or achieve conveyancing targets set by head office.