I am purchasing a property and need a conveyancing solicitor in Ceredigion who is on the Accord Mortgages Ltd conveyancing. Can you recommend a local firm?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Accord Mortgages Ltd in certain locations such as Ceredigion. We dont recommend any particular firm.
Forgive me if this question is silly but I am new to the house moving as FTB of a two bedroom flat in Ceredigion. Do I pick up the keys to the property on completion from my solicitor? If this is the case, I will find a High Street conveyancing solicitor in Ceredigion?
On the day of completion you do not need to attend the conveyancers office in Ceredigion. Your solicitors will electronically transfer the completion advance to the vendor’s conveyancers, and once they have received this, you should be called to pick up the keys from the Estate Agents and start moving into the property. Usually this occurs between 1 and 3pm.
My wife and I purchasing a terrace house in Ceredigion. The intention is to carry out an extension to the side at the property.Will the conveyancing process include checks to ascertain if these alterations are prohibited?
Your solicitor will check the deeds as conveyancing in Ceredigion can sometimes identify restrictions in the title documents which restrict categories of works or necessitated the permission of a 3rd party. Many works require local authority planning consent and approval in accordance building regulations. Some locations are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. You should check these things with a surveyor prior to committing yourself to a purchase.
We were going to get a AIP from Yorkshire BS this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Yorkshire BS recommend any Ceredigion solicitors on the Yorkshire BS conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Ceredigion solicitors independently although you'll need to choose one on the Yorkshire BS conveyancing panel. The solicitor represents both you and Yorkshire BS through the process.
Despite weeks of looking the Title Certificate and documents to my property can not be found. The solicitors who did the conveyancing in Ceredigion 10 years ago are no longer around. What do I do?
Assuming the title is registered the details of your proprietorship will be retained by the Land Registry under a Title Number. It is easy to conduct a search at the Land Registry, find your house and get current copies of the property title for less than a fiver. If the title is Leasehold then the Land Registry will usually hold a certified duplicate of the Registered Lease and again, a copy can be obtained for twenty pounds.
I'm purchasing a new build house in Ceredigion with the aid of help to buy. The developers refused to reduce the amount so I negotiated £7000 of additionals instead. The property agent told me not inform my conveyancer about this side-deal as it will put at risk my mortgage with the bank. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder 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.
A loan agreement from a bank for the remortgage of my 2 bedroom flat is to be issued any day now. Can you recommend an efficient remortgage conveyancing lawyer in Ceredigion ?
You are on the wrong site if you are in need of a cheap conveyancing in Ceredigion. We can offer you value for money conveyancing but we do not aim to work with the cheapest lawyers. Resist the temptation to appoint brokers offering £99 conveyancing in Ceredigion.At best, in opting for cheap conveyancing, you will get what you pay for and at worst you will end up invoiced for additional fee and still not receive the service you were looking for.