Do the Building Society Association intend to launch a searchable register to list practices on the Norwich and Peterborough Building Society conveyancing panel for instance in Creigiau?
We are not aware of any intention on the part of the BSA to promote such a search facility.
This question may be naive but I am unseasoned as FTB of a ground floor flat in Creigiau. Do I collect the keys to the premises on completion from my lawyer? If this is the case, I will instruct a local conveyancing solicitor in Creigiau?
On the day of completion you will not be required to go to the conveyancers office in Creigiau. Conveyancing lawyers for you will electronically transfer the completion advance to the vendor’s solicitors, and shortly after the monies have arrived, you will be invited to pick up the keys from the Estate Agents and start moving into the property. This tends to happen early afternoon.
A colleague advised me that in purchasing a property in Creigiau there may be a number of restrictions affecting the ability to carry out external changes to a property. Is this right?
We are aware of a number of properties in Creigiau which have some sort of restriction or requirement of consent to execute external alterations. Part of the conveyancing in Creigiau should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I have decided to exercise my right to buy my property in Creigiau off the council. I have a mortgage offer with HSBC. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use 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 HSBC, you will need to appoint a solicitor on the HSBC conveyancing panel.
It has been five months since my purchase conveyancing in Creigiau concluded. I have checked the Land Registry website which shows that I paid £150,000 when infact I paid £160,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the asset from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I opted to have a survey done on a house in Creigiau in advance of appointing solicitors. I have been informed that there is a flying freehold overhang to the property. Our surveyor has said that some mortgage companies may refuse to issue a mortgage on a flying freehold home.
It depends who your proposed lender is. HSBC has different requirements from Birmingham Midshires. If you call us we can look into this further via the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Creigiau. Conveyancing may be slightly more expensive based on your lender's requirements.
In sourcing the internet for the term on line conveyancing in Creigiau it brings up many conveyancersin the vicinity. With so much choice what is the best way to find the right conveyancer for the sale of my house?
The preferential method of finding a suitable conveyancer is via personal recommendation, so enquire of friends and family who have acquired a property in Creigiau or a reputable estate agent or financial adviser. Costs for conveyancing in Creigiau vary, so it's advisable to secure a minimum of four fee calculations from different companies. Be sure to secure confirmation what costs in the quote includes.