I am purchasing a terraced house in Felling and Pelaw. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing in Felling and Pelaw you will have to appoint a solicitor on your lender's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Felling and Pelaw.
I just bought a flat at auction in Felling and Pelaw. Conveyancing is required. What happens now?
Now that you are to all intents and purposes signed on the dotted line you will need to find a conveyancing lawyer soon as you now have a fast approaching a drop dead date to complete the deal. Every auction property will have a bespoke auction pack. This will likely include most,if not all of the paperwork that your solicitor requires. If you have purchased leasehold premises the conveyancing pack may include a copy of the lease, management information and a sellers leasehold information form and associated conveyancing paperwork relating to a leasehold property. You should pass this on to your appointed conveyancing solicitor as soon as possible. You also need to ensure that your finances are in place to complete the transaction on the set completion date.
My wife and I are at the point of looking at houses in Felling and Pelaw and I am now considering a potential offer. Is it wise to have a lawyer on ‘stand by’? I will be getting a home loan with HSBC.
You should start obtaining conveyancing quotes from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on to the estate agent. Given that you are seeking a mortgage with HSBC, ask your prospective lawyers if they are on the HSBC conveyancing panel otherwise they can't do the mortgage legal work.
The formalities of my purchase has taken place for my property in Felling and Pelaw. Conveyancing was a necessary evil but I would like to complain about the lender. How do I make a complaint?
Almost all banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. We understand that complaints to a lender are sorted out effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
A friend suggested that if I am purchasing in Felling and Pelaw I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is sometimes quoted for as part of the standard Felling and Pelaw conveyancing searches. It is not a small report of about 40 pages, listing and detailing significant information about Felling and Pelaw around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Felling and Pelaw Education with maps and statistics, Local Amenities and other useful information about Felling and Pelaw.
I opted to have a survey completed on a property in Felling and Pelaw before instructing lawyers. I have been advised that there is a flying freehold aspect to the property. The surveyor advised that some banks tend refuse to grant a mortgage on such a house.
It depends who your proposed lender is. HSBC has different instructions from Halifax. Should you wish to call us we can look into this further via the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Felling and Pelaw. Conveyancing may be slightly more expensive based on your lender's requirements.
I am four weeks into a residential purchase having been directed to a firm by the high street agent to handle our conveyancing in Felling and Pelaw. I am am starting to be frustrated with the level of service. Can you you assist me in finding new solicitors?
They would need to be really bad to suggest diss instructing them. Has the mortgage offer been sent? If so you must make them aware of the new contact details and get the loan are re-issued. Your new solicitor ideally should be on the lenders panel to avoid added charges and complications. So that should be your starting point. The search tool should assist you in finding a bank approved solicitor for your home move in Felling and Pelaw