My fiance and I are buying a flat in Cwmcarn. My property lawyer has never been on on the mortgage company approved panel. Is it possible for me to use my Cwmcarn conveyancing solicitor even though they are not on the mortgage company panel of approved conveyancing solicitors?
You must have a conveyancer to complete the formalities if you require a loan to buy your property. The lawyer will carry out all the necessary legal checks on the property, ensuring that you will be properly registered as the owner and ensure that all the necessary mortgage paperwork is dealt with. You could select a Cwmcarn solicitor of your choice. Nevertheless, where the property lawyer appointed is not a member of the lender approved list further costs will be incurred as separate legal representation will be need by the bank. Lender panel applications may be submitted, so where your conveyancer has not historically sought membership they should take the opportunity to apply.
We are purchasing a property and need a conveyancing solicitor in Cwmcarn who is on the Lloyds solicitor panel. Can you recommend a local firm?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Lloyds . We don't recommend any particular firms conducting conveyancing in Cwmcarn.
I bought my flat on 3 March and the transaction details are still not on the land registry website. Any reason for this? My conveyancing solicitor in Cwmcarn expressed confidence that it should be formalised inside ten days. Are properties in Cwmcarn uniquely lengthy to register?
As far as conveyancing in Cwmcarn is concerned, registration is no faster or slower than anywhere else in England and Wales. Rather than based on location, timescales can vary according to the party submitting the application, whether there are errors and if the Land registry need to notify any other parties. Currently approximately three quarters of submission are fully dealt with within two weeks but occasionally there can be protracted delays. Registration takes place once the buyer is living at the premises therefore an expedited registration is not typically an essential issue but if there is a degree of urgency associated with the registration then you or your solicitor can speak with the land registry and explain the circumstances.
Due to the encouragement of my in-laws I had a survey completed on a house in Cwmcarn before retaining conveyancers. I have been advised that there is a flying freehold aspect to the house. Our surveyor has said that some banks tend refuse to issue a loan on this type of home.
It varies from the lender to lender. Bank of Scotland has different instructions for example to Birmingham Midshires. If you e-mail us we can look into this further via the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Cwmcarn. Conveyancing may be slightly more expensive based on your lender's requirements.
I need to find a conveyancing solicitor for residential conveyancing in Cwmcarn. I've land on a site which appears to be the ideal answer If it is possible to get all this stuff completed via email that would be preferable. Do I need to be wary? What are the potential pitfalls?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?