I am hoping to receive a offer of a home loan from Halifax. I intend to instruct a Licensed Conveyancer in Canford Heath. Does the Halifax Conveyancing panel allow for Licensed Conveyancers?
The Halifax conveyancing panel is, like many other lenders, represented by the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
Do the Building Society Association intend to launch a searchable register to to identify practices on the Darlington Building Society conveyancing panel for instance in Canford Heath?
We are not aware of any plans on the part of the BSA to develop such a register.
Forgive me if this question is silly but I am wet behind the ears as a 1st time purchaser of a two bedroom flat in Canford Heath. Do I collect the keys to the house on completion from my lawyer? If so, I will find a local conveyancing solicitor in Canford Heath?
On the day of completion you will not be required to attend the conveyancers office in Canford Heath. Conveyancing lawyers for you will transfer the completion advance to the seller's solicitors, and once they have received this, you will be called to receive the keys from the Estate Agents and start moving into the property. This tends to happen early afternoon.
I've digested plenty of mortgage guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Canford Heath solicitor - who is on the UBS conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
UBS will need an independent valuation of the property. Your lawyer will not arrange this. Usually UBS will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Canford Heath surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
Virgin Money have agreed my mortgage in principle, my offer on a apartment in Canford Heath has been accepted, what are the next steps?
Your property agent will want to know who your solicitors are (ensure that the conveyancers are on the lender’s approved list). Telephone Virgin Money or your financial adviser and complete any appropriate paperwork. Virgin Money will sellect a valuer who will get in touch with the selling agent or vendor to schedule a slot for the valuation to take place. Once conducted (assuming no problems) it takes on average a week for the mortgage offer to be issued. Virgin Money will issue the offer to you and your conveyancing practitioners. The legal work will then take it’s course according the nature and complexity of the conveyancing in Canford Heath.
How straightforward is it to use your search tool to choose a conveyancing solicitor in Canford Heath on the authorised to act for my bank?
Step one is to select a bank such as HSBC Bank, Norwich and Peterborough Building Society or Alliance & Leicester then choose your location e.g. Canford Heath. Conveyancing organisations in Canford Heath and further afield will then be listed.
I need to instruct a conveyancing solicitor for some conveyancing in Canford Heath. I've stumble upon a site which looks to be the perfect solution If there is a chance to get all formalities completed via phone that would be ideal. Should I be wary? What are the potential pitfalls?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?