Is there a reason to instruct a Ramsey conveyancing company given that online conveyancers are so much cheaper?
By all means make sure that you scrutinise conveyancing costs in Ramsey and you should seek an affordable estimate but don’t be focused with scouring the internet for the lowest priced Ramsey conveyancer. Appointing the right conveyancer can mark the difference between a seamless and a frustrating home move. It is important that you ensure that you have expert advice from a trusted conveyancer. An e-mail can never take the place of a phone discussion and can never replicate a one to one meeting. The firms that we work with will allocate you a qualified and experienced conveyancing solicitor that will handle your conveyancing from from the outset to completion, providing a level of personalised service that you rarely receive from an web based conveyancer. He or She will keep you updated on progress and keep you informed. Should you need to call the firm you will be sure who to ask for and we'll endeavour to make sure that you are in the know.
I am buying a property mortgage free in Ramsey. I have been living for the last dozen years in Ramsey. Conveyancing searches are exorbitant. Given that I know the road and vicinity intimately should I not bother getting the solicitor to do all the conveyancing searches?
In the absence of a home loan, then the vast majority of the Ramsey conveyancing searches are optional. Your lawyer will ’encourage you, perhaps strongly, that you should have searches done, but he has a professional duty to take that path of encouragement . One thing to bear in mind; if you are likely to sell the house in the future, it may be of relevance to your future buyer what the searches determine. There are plenty of instances where properties with apparent issues can still show up adverse search results. A good conveyancing solicitor in Ramsey will be able to give you some constructive advice here.
I just acquired a property at auction in Ramsey. Conveyancing is needed. What happens now?
Given that you are now legally committed yourself to purchase you will need to instruct a conveyancing practitioner quickly as you now have a tight a drop dead date to complete the transaction. An auction property will have a corresponding legal set of papers. This will include most,if not all of the documents that your solicitor will need. In the case of leasehold property the legal papers should contain a copy of the lease, management information and a sellers leasehold information form and other conveyancing paperwork specific to a leasehold property. You must pass this on to the conveyancer working for you ASAP. You also need to ensure that that you have the requisite funding in place to complete on the date specified in the contract.
I have today made my last payment due on my mortgage with Bank of Ireland. I assume I don't need a Ramsey conveyancer on the Bank of Ireland panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Bank of Ireland mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Bank of Ireland mortgage from the register. Bank of Ireland, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Bank of Ireland has sent the Land Registry the discharge electronically, and
- Bank of Ireland has instructed the Land Registry to do so
I am selling my house. I had a double glazing fitted in April 2006, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Bank of Ireland are being a right pain. The Ramsey solicitor who is on the Bank of Ireland conveyancing panel is recommending indemnity insurance as a solution but Bank of Ireland are requiring a building regulation certificate. Why do Bank of Ireland have a conveyancing panel if they don't accept advice from them?
It is probably the case that Bank of Ireland have referred the matter to their valuer. The reason why Bank of Ireland 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.
Due to the encouragement of my in-laws I had a survey completed on a property in Ramsey ahead of appointing conveyancers. I have been told that there is a flying freehold element to the property. The surveyor has said that some banks tend not grant a loan on a flying freehold premises.
It varies from the lender to lender. Bank of Scotland has different requirements for example to Nationwide. Should you wish to telephone us we can check with the appropriate bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Ramsey. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Ramsey to see if the conveyancing costs will increase in light of this.
I am looking to sell my property. My previous conveyancers have shut. I am in need of a recommendation of a conveyancing firm. I happen to live in Ramsey if that makes a difference.
You should use our search tool to help you find a solicitor for your conveyancing in Ramsey. We have connected thousands of home buyers and sellers with lender approved solicitors to ensure that the legalities of their house move runs with a minimum of fuss.