It is a dozen years since I acquired my home in Bradley Stoke. Conveyancing solicitors have recently been retained on the sale but I am unable to track down my deeds. Will this jeopardise the sale?
You need not be too concerned. Firstly the deeds may be retained by your lender or they may be archived with the conveyancers who oversaw the purchase. Secondly in all probability the title will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing lawyers obtaining up to date copy of the land registers. The vast majority of conveyancing in Bradley Stoke involves registered property but in the rare situation where your home is unregistered it adds to the complexity but is not insurmountable.
I'm buying my first flat in Bradley Stoke with a mortgage from Halifax. The sellers would not reduce the price so I negotiated 6k of fixtures and fittings instead. The sale representative advised me not reveal to my conveyancer about this extras as it could affect my mortgage with the bank. Is this normal?.
All lenders require a Disclosure of Incentives Form from the developer 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.
I was recommended by a number of property agents in Bradley Stoke to choose a conveyancer on your site. Is there a financial inducement for Estate Agents to recommend your lawyers over alternative conveyancing organisations?
We refuse to make any referral fee for directing people to this site. We thought it would be too underhand to pay a commission because home movers will think, ‘How come the agent getting a kickback? Why am I not receiving any benefit too?’ We would prefer to grow our business on genuine recommendations.
I am using a search engine for the phrase cheap conveyancing in Bradley Stoke it shows results of numerous solicitorsin the vicinity. With so much choice what is the best way to find the right property lawyer for my move?
The preferential way of choosing a suitable conveyancer is via personal testimonial, so ask colleagues and those you trust who have purchased a property in Bradley Stoke or the reputable estate agent or financial adviser. Costs for conveyancing in Bradley Stoke vary, so it's sensible to obtain a minimum of three fee calculations from different property lawyers. Make sure that you know that the costs are assured not to escalate.
I was advised by my bank that their panel lawyers work on no completion no charge basis for conveyancing in Bradley Stoke. My purchase did not proceed yet the solicitors have requested search fees! They say the fees are nothing to do with their fees!
By promising "no move no fee" Bradley Stoke conveyancing lawyers are writing off their fees for any work done. We should point out that this is not to be regarded as an insurance scheme. Disbursements aren’t covered – where the conveyancing practitioner have to pay money out to other people, for instance Bradley Stoke local search fees