Do the conveyancing solicitors via your comparison service execute attended exchange conveyancing in Denbighshire?
We do have a number of conveyancing experts who can conduct personalised exchanges. Please contact us to get a fee calculation and details as to availability.
What does my ID and proof of funds have anything to do with my conveyancing in Denbighshire? Why is this being asked of me?
Anti-terror and anti-money-laundering rules require solicitors and licensed conveyancers to verify the identification documents of the potential client they are dealing with prior to agreeing to accepting their conveyancing instruction. The Terms of Engagement that you are required to sign will no doubt confirm this. Your lawyer also has obligations to obtain certain documents in accordance with the CML Lenders Handbook requirements last updated on 1st December 2014. If you refuse to hand over ID verification documents, your solicitor would not be able to accept instructions from you.
My wife and I have recently appointed a conveyancing solicitor in Denbighshire. I need to find out whether they are on the Norwich and Peterborough Building Society conveyancing panel. Could you or the lender confirm if they are on the panel?
You should call your solicitor and ask them whether they can act for the lender. Otherwise you should get in touch with Norwich and Peterborough Building Society who may be able to assist.
Last month we had a mortgage agreed in principle with Skipton. Denbighshire conveyancing practitioners are appointed. How long does it take for Skipton to forward the offer to the property lawyer?
There is no definitive answer here. Have Skipton completed the valuation? Have you advised Skipton as to your lawyers' details and checked that your lawyers are on the Skipton conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
The formalities of my purchase has taken place for my property in Denbighshire. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?
Most lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
Planning on purchasing a flat in Denbighshire. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the UBS conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Denbighshire conveyancer is on the UBS conveyancing panel.
How does conveyancing in Denbighshire differ for new build properties?
Most buyers of new build property in Denbighshire contact us having been asked by the builder to exchange contracts and commit to the purchase even before the property is ready to move into. This is because builders in Denbighshire usually acquire the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Denbighshire or who has acted in the same development.