The Copse Hill conveyancing firm handling our Copse Hill conveyancing has uncovered a discrepancy when comparing the information in the valuation report and what is revealed within the title deeds. My lawyer says that he needs to ensure that the lender is happy with this discrepancy and is still content to lend. Is my solicitor’s stance appropriate?
Your conveyancing practitioner must comply with the UK Finance Lenders’ Handbook conditions which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.
It is 10 years ago since I bought my house in Copse Hill. Conveyancing solicitors have just been instructed on the sale but I can't track down my title documents. Will this cause complications?
You need not be too concerned. Firstly the deeds may be retained by your mortgage company or they may be in the possession of the conveyancers who oversaw your purchase. Secondly the chances are that the property will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors procuring current official copies of the land registers. Most conveyancing in Copse Hill involves registered property but in the unlikely event that your property is unregistered it is more of a problem but is resolvable.
I am aiming to move house in June. Should my conveyancing solicitor update the removal company on the day of completion. Incidentally, can you put forward a removal company in Copse Hill. Conveyancing solicitor was found prior to coming across this site.
On the day of completion you can pick up the house keys from the estate agent however this should only take place once the previous owners solicitors advise the agent that they acknowledge receipt of the completion payment and the keys can be released. You can tell the removal company that they can start moving you in. As a matter of policy we do not suggest a particular removal organisation but can help you locate a conveyancing in Copse Hill or a firm that specialises in conveyancing in Copse Hill.
We had appointed conveyancing lawyers located in Copse Hill on the Coventry BS solicitor approved list. They have just billed me a separate amount for the legal aspects of the Coventry BS mortgage. Is this an additional conveyancing fee set by Coventry BS?
Provided it is contained in their Terms of Engagement or estimate then yes your lawyer is entitled to charge a fee for this. The fee is not set by Coventry BS but by your Copse Hill lawyer. Some firms on the Coventry BS panel will charge an ‘acting for lender’ fee and others do not.
Yorkshire BS have agreed my home loan in principle, my offer on a house in Copse Hill has been accepted, what are the next steps?
Your property agent will wish to be advised as to your property lawyer's details (make sure the solicitors are on the bank’s panel). Contact Yorkshire BS or the financial adviser and complete any appropriate paperwork. Yorkshire BS will instruct a valuer who will get in touch with the estate agent or owners to arrange a time for the valuation to take place. Once carried out (assuming no problems) it takes about a fortnight to get a mortgage offer. Yorkshire BS will send 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 Copse Hill.
My father has recommend that I appoint his conveyancing solicitors in Copse Hill. Should I choose my own conveyancer?
There are no two ways about it the best way to choose a conveyancing lawyer is to get recommendations from friends or relatives who have actually experience in using the conveyancer that you are considering.
My step-mother completed her conveyancing in Copse Hill in 2005. She has been married, widowed and in recent months got remarried. She now intends to dispose of the Copse Hill property. I believe she will simply be asked to supply copies of her marriage papers to the property lawyer however she is anxious it could delay the conveyancing. Is it worth updating the title information for the property?
The is no need to update the register providing you have the evidence required to demonstrate how the change of name has come about.
Any buyer’s lawyer will examine the title details and require evidence to establish the name change for instance marriage certificates.