Just been in touch with my conveyancing solicitor in Plymouth who conducted the legals two years ago and wanted a conveyancing costs illustration based on an identical type of house move (a leasehold residence and a freehold premises) of similar values with a mortgage from Barclays . I am now being quoted twice the amount. Should I look for an alternative firm of conveyancing solicitor?
The estimate does seem a tad steep. Where you are willing to spend time contrasting prices you may be able to get the conveyancing a bit cheaper by say a hundred pounds. On the other hand, providing that you were satisfied with the assistance the firm offered you couldlive to regret choosing an a cheaper conveyancer. Remember to be sure that the firm can also act for Barclays . You can make use of our search tool to get a quote a Plymouth conveyancing firm on the Barclays member panel, which can often include conveyancing solicitors in Plymouth.
At what point will exchange of contracts happen for sale conveyancing in Plymouth and am I required to be at the lawyers office?
If you are near to one of the conveyancing solicitors in Plymouth you are welcome to attend to sign the paperwork. However, the firms we recommend supply a nationwide conveyancing service and give just as comprehensive and professional a job for you when communicating with you by post or email. The executing of the property agreement is not the important part. Signing on the dotted line is just a prerequisite for the conveyancer to officially exchange at the appropriate time, which is ordinarily shortly after signing. The procedure is is usually a five minute process, although where a lengthy "chain" is in play, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Plymouth)to be in the office at the appropriate time.
Is there a list of RBS panel conveyancers in Plymouth on the Building Society Association’s Website?
Unfortunately not yet. There is no such directory service on the CML or Building Society Association websites. A small selection of lending institutions make their panel listings available online. Where you are seeking to appoint a Plymouth solicitor on the RBS please use our tool.
I am due to exchange contracts on my flat. I had a double glazing fitted in July 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Virgin Money are being a right pain. The Plymouth solicitor who is on the Virgin Money conveyancing panel is saying indemnity insurance will be fine but Virgin Money are insisting on a building regulation certificate. Why do Virgin Money have a conveyancing panel if they don't accept advice from them?
It is probably the case that Virgin Money have referred the matter to their valuer. The reason why Virgin Money may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
Our offer on a house in Plymouth has been accepted, but there is a chain. The sellers have put an offer on a flat, but it’s not been accepted yet, and are looking at other properties in the pipeline. I have instructed a high street conveyancing solicitor in Plymouth. What do I do now? At what stage do I apply for the mortgage with Principality?
It is understandable to have apprehensions where there is a chain as you are unlikely to want to incur expenses prematurely (home loan application is approx £1k, then valuation, Plymouth conveyancing search fees, etc). First, you must check that your lawyer is on the Principality approved list. As to the next stages this very much dictated by the uniqueness of your transaction, motivation for the property and on the state of the market. During a hot market the majority of buyers would apply for the mortgage with Principality and arrange for the valuation and only if it comes back ok would they ask their conveyancing practitioner to move forward with the conveyancing in Plymouth.
Due to the input of my in-laws I had a survey completed on a property in Plymouth in advance of appointing solicitors. I have been told that there is a flying freehold overhang to the house. Our surveyor advised that some lenders tend not grant a loan on a flying freehold premises.
It varies from the lender to lender. Lloyds has different requirements for example to Birmingham Midshires. Should you wish to call us we can check via the appropriate lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Plymouth. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Plymouth to see if the conveyancing will be more expensive.
I am looking for a conveyancing solicitor in Plymouth for my house move. Can I review a firm’s complaints history with the profession’s regulator?
You can review published Solicitor Regulator Association (SRA) decisions resulting from investigations started on or after 1 January 2008. Visit Check a solicitor's record. For records Pre 2008, or to check a solicitors history, call 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For callers outside the UK, call +44 (0)121 329 6800. The SRA may monitor call for training reasons.