I am expecting a mortgage with Nat West. My intention is to instruct a Licensed Conveyancer in Portishead. Does the Nat West Conveyancing panel exclude Licensed Conveyancers?
The Nat West approved solicitor list is, like many other lenders, associated to the CML or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
It is 10 years ago since I acquired my house in Portishead. Conveyancing lawyers have now been instructed on the sale but I can't track down my title deeds. Will this cause complications?
Don’t worry too much. Firstly the deeds may be kept by your lender or they could be archived with the conveyancers who acted in your purchase. Secondly in most cases the property will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers procuring current official copies of the land registers. The vast majority of conveyancing in Portishead relates to registered property but in the unlikely event that your home is unregistered it adds to the complexity but is not insurmountable.
We are purchasing a end of terrace house in Portishead. We would like to carry out a loft conversion at the house.Will the conveyancing process include enquiries to ascertain if these works are prohibited?
Your property lawyer will review the registered title as conveyancing in Portishead can sometimes identify restrictions in the title documents which restrict certain changes or need the consent of a 3rd party. Certain works need local authority planning permissions and approval in compliance with building regulations. Many locations are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. You should check these issues with a surveyor ahead of any purchase.
Can I be sure that the Portishead conveyancing solicitor on the RBS panel is any good?
When it comes to conveyancing in Portishead obtaining recommendations is a good start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always recommend that you speak with the lawyer conducting your conveyancing.
After weeks of negotiation I have agreed a price on a house in Portishead. My financial adviser suggested a conveyancing practitioner. I paid an on account payment of £200. A few days later, the conveyancing practitioner called me to say that they were not on the Leeds Building Society conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Leeds Building Society panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
How does conveyancing in Portishead differ for newly converted properties?
Most buyers of new build premises in Portishead come to us having been asked by the housebuilder to exchange contracts and commit to the purchase even before the house is completed. This is because builders in Portishead typically buy the site, 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 property lawyers 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 accustomed to new build conveyancing in Portishead or who has acted in the same development.
Am I best advised to choose a Portishead conveyancing practitioner based in the area that I am purchasing? An old friend can handle the conveyancing but her office is 300miles away.
The primary upside of using a local Portishead conveyancing practice is that you can pop in to sign documents, deliver your identification documents and apply pressure on them if necessary. Having local Portishead know how is a bonus. However it's more important to get someone that will do a good and efficient job. If you know people who instructed your friend and on the whole were impressed that should surpass using an unknown Portishead conveyancing solicitor solely due to them being Portishead based.