I am getting a mortgage offer from Halifax. My intention is to employ the services of a Licensed Conveyancer in Caerphilly. Does the Halifax Conveyancing panel exclude conveyancers regulated by the CLC?
The Halifax conveyancing panel is, like many other lenders, represented by the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
Is it the case that all Caerphilly CQS (Conveyancing Quality Scheme) solicitors are on the Principality conveyancing panel?
It is true that some banks and building societies now make use of CQS as the starting point for Panel membership such as HSBC and Santander. The Law Society’s CQS membership however is no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for solicitor practices wishing to join their approved list of conveyancing solicitors.
Completion of my remortgage has taken place for my property in Caerphilly. Conveyancing was of an acceptable standard but I would like to complain about the lender. How do I make a complaint?
All lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are sorted out very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
Aldermore have agreed my mortgage in principle, my offer on a flat in Caerphilly has been accepted, what are the next steps?
Your property agent will want to know who your solicitors are (be sure the solicitors are on the lender’s approved list). Contact Aldermore or the broker and finish off any appropriate paperwork. Aldermore will sellect a valuer who will get in touch with the selling agent or seller to book an appointment. Once conducted (assuming no problems) it takes about a fortnight for the mortgage offer to be issued. Aldermore will issue the offer to you and your conveyancers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Caerphilly.
It has been 2 months since my purchase conveyancing in Caerphilly concluded. I have checked the Land Registry website which shows that I paid £200,000 when infact I paid £215,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I am looking for a leasehold apartment up to £305k and identified one round the corner in Caerphilly I like with open areas and transport links nearby, the downside is that it's only got 49 remaining years left on the lease. I can't really find anything else in Caerphilly suitable, so just wondered if I would be making a mistake purchasing a short lease?
If you require a home loan the remaining unexpired lease term may be problematic. Discount the price by the anticipated lease extension will cost if not already taken into account. If the existing proprietor has owned the premises for a minimum of 2 years you could ask them to start the process of the extension and pass it to you. You can add 90 years to the existing lease and have £0 ground rent by law. You should speak to your conveyancing lawyer regarding this.
What is different about your site and alternative web based conveyancing solicitors for conveyancing in Caerphilly?
At this site get a fixed fee costs illustration from a Solicitor or Licensed Conveyancer that understands the issues of your conveyancing in Caerphilly. As opposed to estate agents and brokerage sites we are not in the business of charging firms a commission if you appoint them for your property ownership legalities in Caerphilly