My wife and I are getting closer to an exchange on a house in Hull East and my mum and dad have transferred the 10% deposit to my conveyancing practitioner. I am now told that as the deposit has not arrived from me my conveyancing practitioner needs to make a notification to my lender. Apparently, in also acting for the bank he must advise them that the balance of the purchase price is not just from me. I disclosed to the bank about my parents' contribution when I applied for the mortgage, so is it really appropriate for this now to hold matters up?
Your solicitor is duty bound to check with the bank to ensure that they are aware that the balance of the purchase price is not from your own funds. The solicitor can only notify this to your lender if you permit them to, failing which, your lawyer must cease to continue acting.
Finally the sale completed on my house in Hull East last March yet the purchaser is calling daily to say her lawyer is waiting to hear from mine. What are the post completion sale legalities following completion?
Following your house sale your conveyancer is obliged to forward the transfer deeds and all additional paperwork to the buyer’s conveyancer. Depending on the transaction, your lawyer should also confirm that the mortgage has been paid off to the purchasers conveyancers. There is unlikely to be post completion requirements unique to conveyancing in Hull East.
I am assisting my step-mother sell her flat in Hull East. Will the conveyancer commission an EPC or should I organise this?
Following the abolition of Home Packs, EPC’s was left as a compulsory component of moving property. An energy assessment needs to be commissioned in advance of the property being advertised. It is not something that solicitors normally arrange. Where you are using a Hull East conveyancing practitioner they might be willing to arrange energy performance certificates given their relationships with reputable local assessors
Last month we had a mortgage agreed in principle with Barclays. Hull East conveyancing solicitors were instructed. How long does it take for Barclays to forward the offer to the property lawyer?
There is no definitive answer here. Have Barclays done the valuation? Have you advised Barclays as to your lawyers' details and checked that your lawyers are on the Barclays 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 Hull East. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?
Almost all lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Department at head office. Ordinarily complaints to a lender are resolved very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
I need to retain a conveyancing solicitor for purchase conveyancing in Hull East. I happened to discover a site which seems to have the perfect solution If there is a chance to get all formalities done via web that would be preferable. Should I be concerned? 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?
How much experience do your Hull East conveyancing solicitors have with Help To Buy, Shared Equity and similar schemes?
Hull East conveyancing lawyers help thousands of buyers move home every year and supported lots of clients through the Help To Buy scheme. The chances are that whatever makes your case unique Hull East conveyancers have worked on recent similar cases.