My wife and I are acquiring a brand new duplex in Sefton and my lawyer is advising me that she has to the lender to disclose incentives from the developer. The Estate Agents are hassling me to sign contracts and my preference is not to prolong the conveyancing. Is my lawyer right?
You should not exchange unless you have been advised to do so by your property lawyer. A precondition to being on a mortgage company panel is to comply with the UK Finance Lenders’ Handbook requirements. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
My aunt informed me that in purchasing a property in Sefton there may be a number of restrictions prohibiting external alterations to the property. Is this right?
There are a number of properties in Sefton which have some sort of restriction or requirement of consent to carry out external changes. Part of the conveyancing in Sefton should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
We had chosen conveyancing lawyers locally in Sefton on the Virgin Money solicitor panel. They have just billed me a separate charge for dealing with the Virgin Money mortgage. Is this an additional conveyancing fee specified by Virgin Money?
As unfair as it may appear, as long as it’s in their Terms and Conditions or estimate then yes your property lawyer is entitled to charge a fee for this. The charge is not set by Virgin Money but by your Sefton lawyer. Some firms on the Virgin Money panel will quote ’dealing with mortgage’ fee but some practices incorporate it on their overall fee.
I recently had an offer agreed on an apartment in Sefton. My mortgage broker recommended their conveyancers. I paid an on account payment of £225. A few days later, the property lawyer contacted me to say that they were not on the Lloyds 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 Lloyds 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.
I used Stirling Law several years past for my conveyancing in Sefton. Now, I need the documents however the law firm is no longer operating. What do I do?
Do contact the Solicitors Regulatory Authority (SRA) to assist in tracing your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Sefton of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I am downsizing from my home. My previous conveyancers closed down. I would be grateful for any recommendation of a conveyancing firm. I happen to live in Sefton if that makes a difference.
Please use our search tool to help you find a solicitor for your conveyancing in Sefton. We have connected thousands of home buyers and sellers with lender approved solicitors to ensure that the legalities of their house move runs smoothly.
My husband and I are FTB’s - had an offer accepted, but the selling agent has warned us that the seller will only proceed if we instruct their preferred solicitors as they want an ‘expedited deal’. My instinct tells me that we should use a high street solicitor accustomed to conveyancing in Sefton
It is unlikely the owners are driving this. If they desire ‘a quick sale', alienating a genuine purchaser is going to damage their objectives. Speak to the vendors direct and make sure they comprehend that (a)you are keen to buy (b)you are excited to move forward, with finances in place © you are unencumbered (d) you wish to move quickly (e)however you intend to instruct your preferred Sefton conveyancing firm - rather thanthose that will provide their negotiator at the agency a kickback or achieve conveyancing figures demanded by head office.