I am considering mortgaging my home in Redruth, does my lawyer have to be on the Co-operative Solicitor panel?
In theory, you could use a solicitor that is not on the Co-operative conveyancing panel, but Co-operative would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same conveyancing matter.
Is it necessary to take out insurance to protect me from financial exposure to chancel repairs when purchasing a residence in Redruth?
Unless a previous acquisition of the house took place after 12 October 2013 you may expect conveyancing practitioners carrying out conveyancing in Redruth to remain encouraging a chancel search and or insurance against a claim.
I am purchasing my first flat in Redruth with the aid of help to buy. The sellers refused to reduce the amount so I negotiated £7000 of additionals instead. The house builders rep told me not disclose to my conveyancer about the side-deal as it may affect my mortgage with Halifax. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Are there any apps to help locate a Redruth solicitor on the Accord Mortgages Ltd conveyancing panel? I have wheels and am happy to travel upto 25kilometers to meet the solicitor.
You can use the search on this website. Please pick a bank and your location and you will see a number of Redruth conveyancing lawyers located nearest you. We have detailed some Redruth conveyancing firms at the bottom of this page and you can call them to check if they are on the Accord Mortgages Ltd panel
I need to instruct a conveyancing solicitor for sale conveyancing in Redruth. I've discover a web site which seems to have the perfect answer If it is possible to get all this stuff completed via email that would be preferable. Should I be concerned? What are the potential pitfalls?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?