My conveyancer has informed me that missing deeds insurance is necessary on my purchase. What is the level of cover for Sheffield conveyancing?
The right level of missing deeds indemnity insurance depends on who your lender is. It would differ for example between HSBC Bank and Norwich and Peterborough Building Society. Conveyancing solicitors as opposed to members of the public take out such policies.
Two weeks ago we had a mortgage agreed in principle with HSBC. Sheffield conveyancing solicitors are appointed. How long does it take for HSBC to forward the offer to the solicitor?
There is no definitive answer here. Have HSBC done the survey? Have you informed HSBC as to your lawyers' details and checked that your lawyers are on the HSBC conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I recently had an offer accepted on a house in Sheffield. My mortgage broker suggested a conveyancer. I paid an on account payment of £225. A couple of days later, the lawyer called me sheepishly admitting that they were not on the Aldermore 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 Aldermore 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 a few years past for my conveyancing in Sheffield. I now require my file but the law firm has closed. What do I do?
You should contact the Solicitors Regulatory Authority (SRA) to assist in tracking down 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 Sheffield 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 buying a new build flat in Sheffield. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.
Here are examples of a few leasehold new build questions that you should expect your new-build leasehold conveyancing in Sheffield
The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. There must be mutual enforceability of lessee’s covenants. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose?
I decided to have a survey done on a property in Sheffield in advance of appointing lawyers. I have been told that there is a flying freehold aspect to the property. Our surveyor has said that some banks will refuse to issue a mortgage on such a house.
It varies from the lender to lender. HSBC has different instructions from Halifax. Should you wish to call us we can check with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Sheffield. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Sheffield to see if the conveyancing costs will increase in light of this.
My step-father has recommend that I instruct his conveyancing solicitors in Sheffield. Should I use them?
Much as we are happy to recommend a Sheffield conveyancing lawyer the best way to find a conveyancing lawyer is to get recommendations from friends or family who have actually experience in using the solicitor that you are considering.