We are only a couple days away from an exchange on a house in Rainhill and my mum and dad have transferred the ten percent deposit to my conveyancing practitioner. I am now told that as the deposit has not arrived from me my lawyer needs to disclose this to my bank. Apparently, in also acting for the lender he must inform them that the balance of the purchase price is not just from me. I advised the mortgage company regarding my parents' contribution when I applied for the home loan, so is it really appropriate for this now to delay the deal?
The conveyancer is duty bound to clarify with the bank to ensure that they are aware that the balance of the purchase price is not from your own resources. Your solicitor can only notify this to your bank if you permit them to, failing which, your lawyer must cease to continue acting.
I am close to exchanging contracts on the sale of our home in Rainhill and the buyers lawyers are claiming that there is a possibility that the property was constructed on contaminated land. Any local lawyer would know that there is no such problem. It does beg the question why the buyers are using a web based conveyancing practice rather than a conveyancing solicitor in Rainhill. Having lived in Rainhill for six years we know of no issue. Do we contact our local Authority to get confirmation that there is no issue.
It would appear that you have a conveyancing lawyer currently acting for you. What do they say? You should enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same ailment)
I've recently found out that there is a flying freehold issue on a property I put an offer in a fortnight ago in what should have been a quick, chain free conveyancing. Rainhill is the location of the property. Can you offer any opinion?
Flying freeholds in Rainhill are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Rainhill you must be sure that your lawyer goes through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Rainhill 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 premises.
What tools are available to identify a Rainhill solicitor on the Bank of Scotland conveyancing panel? I am a keen cyclist and am happy to travel upto 20miles to meet the conveyancer.
Feel free to make use of the search on this website. Please select a lender and your location and you will see a number of Rainhill conveyancing lawyers located nearest you. We have listed some Rainhill conveyancing firms towards the end of this page and you can telephone them to check if they are on the Bank of Scotland member panel
My husband and I are a fortnight into a leasehold purchase having been recommend to solicitors by the selling agent to perform conveyancing in Rainhill. I am am extremely frustrated with the quality of service. Can you help me find new solicitors?
They would have to be very poor in order to consider changing them. Has the mortgage offer been generated? In the event that it has you need to make them aware of the new contact details and get the offer are issued to the new lawyers. Your new conveyancer needs to be on the banks approved list to avoid escalating costs and complications. That should be your first question of the new lawyers. Our search tool will help you find a lender approved conveyancer for your home move in Rainhill