Can you recommend a HSBC Bank accepted Penarth conveyancing practice that can complete within under 3 weeks? Would it be better to use a local Penarth conveyancer or an internet firm?
We can recommend some very good Penarth conveyancing firms. Another option is to visit the main road in Penarth. Go in to two or three firms and request to speak with a conveyancing solicitor for a fee estimate. Explain your deadline together with the reasons and get an assurance on your deadline. Appoint the one that genuine.
Finally the sale completed on my house in Penarth last December but my buyer keeps telephoning every few hours complaining that his lawyer is waiting to hear from myconveyancer. What should have happened following completion?
Following your disposal your solicitor is committed to forward the transfer deeds and all of the paperwork to the buyer’s conveyancer. If applicable, your solicitor must also evidence that the mortgage has been discharged to the purchasers lawyers. There is unlikely to be post completion formalities just for conveyancing in Penarth.
This question may be naive but I am unseasoned as a first time purchaser of a ground floor flat in Penarth. Do I pick up the keys to the premises on completion from my solicitor? If this is the case, I will appoint a High Street conveyancing solicitor in Penarth?
There is no need to visit the lawyers office on the day of completion. Your solicitors will arrange to send the completion advance to the seller's solicitors, and shortly after the monies have arrived, you will be called to receive the keys from the selling Agents and start moving into the property. This tends to happen early afternoon.
The formalities of my remortgage has taken place for my property in Penarth. Conveyancing was satisfactory but I would like to complain about the lender. Who do I contact should I wish to lodge 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 Services Department at head office. In most cases 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.
Our offer on a semi in Penarth has been accepted, the sellers do nevertheless have a dependent purchase. The sellers have offered on somewhere, however it’s not yet tied up, and are looking at other flats booked. I have chosen a local conveyancing solicitor in Penarth. What should be my next step? When do I get the mortgage application with Principality started?
It is normal to have apprehensions where there is a chain as you are unlikely to want to be too out of pocket too early (home loan application is in the region of one thousand pounds, then valuation, Penarth conveyancing search costs, etc). The first course of action is to check that your solicitor is on the Principality conveyancing panel. Concerning the next stages this very much depends on the specifics of your case, motivation for the property and on the state of the market. In a buoyant market many buyers would apply for a home loan with Principality and arrange for the valuation and only if it comes back ok would they ask their conveyancing practitioner to move forward with searches.
How does conveyancing in Penarth differ for newly converted properties?
Most buyers of new build residence in Penarth approach us having been asked by the seller to sign contracts and commit to the purchase even before the premises is ready to move into. This is because new home sellers in Penarth usually acquire the land, 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 Penarth or who has acted in the same development.
How do I find out who is the owner of a property in Penarth?
Provided the premises is registered with HM Land Registry, and you have enough information of the address of the premises, you should be able to see details from the HM Land Registry of the registered owner for a a minimal charge.