I have an AIP. The lender mentioned the loan came with free conveyancing. Does this mean I have to instruct their panel solicitor as I would much rather use a Harborne based conveyancing firm?
You should check but the chances are that give you one of their panel conveyancers where you accept the "fee-free" offer. Contact the mortgage company to ask if they allow a monetary alternative. Some banks have previously offered a £250 cashback as an alternative in which case you could put that amount towards the cost for your conveyancing solicitor near Harborne.
I have been told that property searches are the primary cause of stalling in Harborne house deals. Is this right?
The Council of Property Search Organisations (CoPSO) has noted the conclusions of research by MoveWithUs that conveyancing searches do not feature amongst the most frequent causes of delays in the conveyancing process. Searches are not likely to feature in any slowing down conveyancing in Harborne.
Yesterday I discovered that there is a flying freehold element on a house I put an offer in two weeks back in what should have been a simple, no chain conveyancing. Harborne is where the house is located. Can you offer any guidance?
Flying freeholds in Harborne are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Harborne you must be sure that your lawyer goes through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Harborne may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
Is it possible to transfer to a new firm as I have to select one who is on the The Royal Bank of Scotland conveyancing list. I instructed a family conveyancing solicitor in Harborne round the corner but he is not accepted by The Royal Bank of Scotland
We will our best to assist in finding you a conveyancing solicitor in Harborne on the The Royal Bank of Scotland panel. Please note that the conveyancers that we list do not pay us fee if you instruct them and are under regulation of the Solicitors Regulation Authority who regulate all conveyancing solicitors in Harborne. In making use of search facility on this page, you can compare and instruct different solicitors and conveyancers both nationally and in Harborne.
I am buying a ground floor flat in Harborne. Conveyancing solicitor is awaiting, from the owner, building insurance paperwork. I was told today I was informed that the vendor must forward the insurance schedule for the flat above in addition. Why would my conveyancer need to review the insurance for the flat above? Is it strictly necessary? We have been waiting for the previous month…
It is not impossible in leasehold conveyancing in Harborne to discover Conveyancing in Harborne in a minority of cases reveals that the lease provides for the leasehold owners to insure their individual flats rather than the landlord insuring the entire property - which is definitely preferable. Do clarify with your conveyancer but it would appear that your solicitor is looking to verify that the complete building is insured. Insuring a ground floor flat is no help when it comes to rebuilding after a fire if the 1st floor cannot be reconstructed due to lack of insurance.