Can your site be used to recommend a Conveyancing solicitor in Downend even where I’m not buying or disposing of a house, for example where I want to buy a shop in Downend with a mortgage from Barclays ?
Our search tool is mainly there to help choose domestic conveyancing solicitors in Downend but we have set out towards the bottom of this page a few Downend commercial conveyancing firms. You should speak with the firm directly to establish if they can also act for Barclays
About to place an offer on a leasehold property in Downend. The property agents assure me that it is usual for flats in Downend to have less than 75 years left on the lease. I am getting a mortgage with Chelsea Building Society. Will the property be mortgageable given that the lease has 69 years remaining.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are obtaining a mortgage then your lender may insist that the lease be extended before competition. Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 19/7/2019 the requirements read as follows :
We are due to move home in August. Will my conveyancing solicitor liaise with the removal company on the day of completion. Incidentally, can you put forward a removal company in Downend. Conveyancing firm was found before I stumbled across your website.
On the afternoon of completion you will need to collect the house keys from your estate agent but this should only happen once the sellers solicitors confirm to the agent that they acknowledge receipt of the completion payment and the keys can be released. After that you should tell the removal company that they can start moving you in. As a matter of policy we do not recommend a particular removal company but can assist you in locating a conveyancing in Downend or a lawyer with expertise in conveyancing in Downend.
Is it the case that all Downend CQS (Conveyancing Quality Scheme) solicitors are on the Barclays conveyancing panel?
Some major lenders now make use of CQS as the starting point for Panel approval such as HSBC and Santander. The Law Society’s CQS membership however is no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for solicitors wishing to remain on their panels.
The mortgage over my property is with UBS for my property in Downend. Conveyancing has been completed some time ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform UBS?
Your original mortgage agreement with UBS will provide that you need their approval before letting out your property as this is likely to be a breach of UBS’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact UBS directly. You need not do this via a UBS conveyancing panel solicitor.
I am buying a new build house in Downend benefiting from help to buy. The builders would not move on the amount so I negotiated five thousand pounds worth of extras instead. The sale representative suggested that I not to tell my solicitor about the deal as it could adversely affect my loan with the bank. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Are Downend conveyancing solicitors duty bound by the Law Society to publish clear conveyancing figures?
Contained within the Solicitors Code of Conduct are set rules and regulations as to how the Solicitors Regulation Authority (SRA) allow solicitors to publicise their fees to clients.The Law Society have practice note giving advice on how to publicise transparent charges to avoid breaching any such rule. Practice notes are not legal advice issued by the Law Society and is not to be interpreted as the only standard of good practice a conveyancing solicitor should adhere to. The Practice Note does, nevertheless, represent the Law Society’s view of acceptable practice for publicising conveyancing charges, and accordingly it’s a recommended read for any solicitor or conveyancer in Downend or or elsewhere in the country.