It may have been a long time coming a mortgage agreement from NatWest for the remortgage of my 2 bedroom flat is coming imminently. Are you able to propose a low cost conveyancing lawyer in Callington?

You are on the wrong site if you are in need of a cheap conveyancing solicitors in Callington. Our goal is to offer cost effective conveyancing but our intention is not to work with the cheapest lawyers. Avoid the trap of appointing companies seducing you with £100 conveyancing in Callington. At best, in going for low cost conveyancing, you will get your money’s worth and at worst you will end up spending a lot in extras and still not receive the service expected.

Last month we had a mortgage agreed in principle with Nottingham. Callington conveyancing solicitors have been instructed. How long does it take for Nottingham to issue the offer to the lawyer?

Some lenders take longer than others. Have Nottingham conducted the valuation? Have you advised Nottingham as to your lawyers' details and checked that your lawyers are on the Nottingham conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.

The formalities of my remortgage has taken place for my property in Callington. Conveyancing was satisfactory but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?

Almost all lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. In most cases complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.

I have finally had an offer on an apartment in Callington agreed to, but there is a chain. The owners have placed an offer on a flat, but it’s not yet tied up, and have viewings of other flats booked. I have instructed a nearby conveyancing solicitor in Callington. What should be my next step? When do I get the mortgage application with Yorkshire BS going?

It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (home loan application is approx £1k, then valuation, Callington conveyancing search fees, etc). First, you should ensure that your lawyer is on the Yorkshire BS approved list. Regarding the next phase this very much depends on the uniqueness of your case, desire for this property and on the state of the market. In a buoyant market some purchasers would apply for a home loan with Yorkshire BS and arrange for the valuation and only if it was satisfactory would they request their conveyancing practitioner to proceed with the conveyancing in Callington.

Should our conveyancer be raising questions concerning flooding as part of the conveyancing in Callington.

The risk of flooding is if increasing concern for solicitors dealing with homes in Callington. There are those who buy a house in Callington, fully expectant that at some time, it may suffer from flooding. However, leaving to one side the physical destruction, where a house is at risk of flooding, it may be difficult to get a mortgage, suitable insurance cover, or dispose of the premises. Steps can be carried out as part of the conveyancing process to forewarn the buyer.

Lawyers are not best placed to offer advice on flood risk, but there are a numerous checks that can be carried out by the purchaser or on a buyer’s behalf which should figure out the risks in Callington. The conventional set of property information forms sent to a buyer’s solicitor (where the solicitors are adopting what is known as the Conveyancing Protocol) includes a standard inquiry of the seller to discover whether the property has ever been flooded. In the event that the residence has been flooded in past and is not disclosed by the seller, then a purchaser could bring a compensation claim resulting from an misleading response. A buyer’s conveyancers should also conduct an enviro report. This should higlight if there is a recorded flood risk. If so, further inquiries should be initiated.

Are there restrictive covenants that are commonly identified as part of conveyancing in Callington?

Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Callington. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

Estate agents have just been given the go-ahead to market my ground floor apartment in Callington. Conveyancing solicitors are to be appointed soon, however I have just received a quarterly maintenance charge demand – should I leave it to the buyer to sort out?

It best that you discharge the invoice as usual because all rents and maintenance invoices should be apportioned on completion, so you will be reimbursed by the buyer for the period running from after the completion date to the subsequent invoice date. Most management companies will not acknowledge the buyer unless the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. This will smooth the conveyancing process.

Callington Leasehold Conveyancing - Examples of Questions you should ask Prior to Purchasing

How many years remain on the lease? You should be aware if it is less than 80 years it will affect the marketability of the flat. It is worth checking with your lender that they are content with remaining years on the lease. Leases with less than 80 years remaining means that you will probably have to extend the lease sooner rather than later and it is worth discovering how much this would cost. Remember, in most cases you will be be obliged to have been the owner of the premises for a couple of years in order to be eligible to exercise a lease extension. Who is in charge of the block?