I am buying a property without a mortgage in Chatteris. I have resided for the last 20 years in Chatteris. Conveyancing searches are exorbitant. As I have knowledge of the area and road intimately should I not bother getting the solicitor to do all the conveyancing searches?
If you not getting a home loan, then all but one or two of the Chatteris conveyancing searches are optional. Your conveyancer will try and sway you, perhaps strongly, that you should have searches done, but she has a professional duty to do this. Do consider; if you are going to sell the house in the future, it could be of importance to your prospective purchaser what the searches disclose. Sometimes houses with apparent issues can still show up unpredicted search results. A good conveyancing solicitor in Chatteris should provide you some constructive advice concerning this.
Do the Building Society Association intend to launch a searchable register to to identify solicitors on the Loughborough BS conveyancing panel for example in Chatteris?
Lexsure has not been advised of any plans on the part of the BSA to develop such a register.
Can you point me to a directory of Nationwide panel solicitors in Chatteris on the Building Society Association’s Website?
No. There is no such tool on the CML or Building Society Association websites. Very few mortgage companies make their panel listings viewable over the internet. Where you are seeking to appoint a Chatteris property lawyer on the Nationwide please make the most of our tool.
I have paid off my mortgage with HSBC. I assume I don't need a Chatteris lawyer on the HSBC panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your HSBC mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the HSBC mortgage from the register. HSBC, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where HSBC has sent the Land Registry the discharge electronically, and
- HSBC has instructed the Land Registry to do so
I am currently in the process of buying my council flat in Chatteris. I have a mortgage offer with Principality. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Principality, you will need to appoint a solicitor on the Principality conveyancing panel.
Yesterday I discovered that there is a flying freehold issue on a property I have offered on a fortnight ago in what should have been a quick, no chain conveyancing. Chatteris is where the house is located. Is there any guidance you can impart?
Flying freeholds in Chatteris are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Chatteris you would need to get your solicitor to go through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Chatteris may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
I need to instruct a conveyancing practitioner in Chatteris for my house move. Is it possible to check a solicitor's complaints history with the legal regulator?
One can see presented Solicitor Regulator Association (SRA) determinations resulting from investigations started on or after 1 January 2008. Go to Check a solicitor's record. To find details Pre 2008, or to check a solicitors history, phone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For non-uk callers, call +44 (0)121 329 6800. The SRA could monitor telephone calls for training requirements.