Do lawyers request money on account when it comes to conveyancing in Charmouth?
If you are buying a property in Charmouth your lawyer will request that you put them with funds to cover the the cost of the conveyancing searches. Normally this is requested to cover the fees of the Local Authority Search. When the down payment is payable against the sale price then this should be required immediately in advance of exchange of contracts. The final balance that is due should be transferred shortly before completion.
I had intended to instruct a property lawyer in Charmouth for our house move. Our broker has since notified us that our mortgage company Aldermore won't deal with them. Why is this not regarded as unduly restrictive?
Banks on the whole imposes restrictions either the type or the number of conveyancing solicitors on their approved list of lawyers. Typical examples of such restriction(s) being that a law practice must not be a sole practitioner. As well as restricting the profile of firm, a few lenders have limited the number of solicitor practices they permit to act for them. Be aware that Aldermore have no responsibility for the quality of advice provided by any member of Aldermore Conveyancer Panel. Mortgage fraud was a primary driver in the rationalisation of conveyancing panels a few years ago even though there remains differing opinions concerning the level of solicitor involvement in some of that fraud. Data from the Land Registry reveal that plenty of law firms, including some in or near Charmouth only conduct a couple conveyances a year.
What is your number one tip for finding a conveyancing solicitor in Charmouth
Do not opt for the lowest Charmouth conveyancing fees. You really do get what you’re paying for when it comes to property lawyers. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.
I am due to exchange contracts on my apartment. I had a double glazing fitted in June 2006, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, UBS are being a right pain. The Charmouth solicitor who is on the UBS conveyancing panel is happy to accept ‘lack of building regulation’ insurance but UBS are insisting on a building regulation certificate. Why do UBS have a conveyancing panel if they don't accept advice from them?
It is probably the case that UBS have referred the matter to their valuer. The reason why UBS may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
HSBC have agreed my home loan in principle, my offer on a flat in Charmouth has been agreed to, now what?
The estate agent will want to be advised as to your conveyancing practitioner's details (make sure the property lawyers are on the bank’s panel). Call up HSBC or the broker and complete any appropriate paperwork. HSBC will sellect a valuer who will get in contact with the estate agent or owners to arrange a time for the valuation to happen. Once conducted (assuming no problems) it takes approximately a fortnight for the mortgage offer to be issued. HSBC will send 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 Charmouth.
My wife and I are intent on selling our house in Charmouth and according to the buyers it appears that there is a risk of it being built land that was not decontaminated. A high street Charmouth lawyer would know this is not the case. For the life of me I don't know why the buyers used a factory type conveyancing practice as opposed to a conveyancing solicitor in Charmouth. We have lived in Charmouth for many years we know that this is a non issue. Should we get in touch with our local Authority to get confirmation need.
It sounds as though you may have a conveyancing lawyer currently acting for you. What do they say? You should check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same sickness)
I am 14 days into a freehold purchase having been recommend to solicitors by the selling agent to do our conveyancing in Charmouth. I am not happy. Can you you assist me in finding new solicitors?
A conveyancer would need to be really bad to suggest changing them. Has the mortgage been issued? If so you must advise them of the new conveyancer and get the offer are re-sent. Your conveyancer should be on the lenders panel to avoid supplemental charges and frustration. So that should be your first question of the new conveyancers. The find a solicitor tool should assist you in finding a bank approved lawyer for your home move in Charmouth