Recently been in touch with my conveyancing lawyer in St Athan who conducted the legals 18 months ago requesting a conveyancing estimate based on an identical type of house sale & purchase (a leasehold residence and a freehold premises) of similar values with a home loan from Clydesdale. It looks as though am now being charged twice the amount. Should I hunt for a cheaper internet firm of conveyancing solicitor?
The estimate does seem a little steep. Where you are happy to expend time comparing charges you may be able to shave off some of the expense by say £125. That being said, if you were happy with the conveyancing the firm gave you mightcome to rue opting for an an untested solicitor. If is important to enquire that the firm can also act for Clydesdale. Do use our search tool to find a St Athan conveyancing firm on the Clydesdale approved list of lawyers, which can often include conveyancing solicitors in St Athan.
We are planning to buy with Melton Mowbray Building Society. We have called around locally but am unable to find a St Athan conveyancing firm on the Melton Mowbray Building Society approved list. Could you help?
Please do take advantage of the find a conveyancing panel solicitor tool on this web page. Pick the lender and type St Athan or your location and you will see numerous conveyancers based in St Athan or near you.
There are plenty of conveyancing solicitors in St Athan but how do I know who's good?
Do not opt for the lowest St Athan conveyancing costs illustration. You really do get what you pay for when it comes to property lawyers. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you know exactly what you’ll have to pay in advance.
Is it correct that all St Athan CQS (Conveyancing Quality Scheme) solicitors are on the UBS conveyancing panel?
It is true that some banks and building societies now utilise the accreditation scheme as the kick off point for Panel approval such as HSBC and Santander. CQS accreditation however is no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for solicitor practices wishing to join their panels.
I am expecting a AIP from Co-operative this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Co-operative recommend any St Athan solicitors on the Co-operative conveyancing panel, or is it better to find our own lawyer?
You will need to appoint St Athan solicitors independently although you'll need to choose one on the Co-operative conveyancing panel. The solicitor represents both you and Co-operative through the process.
I'm converting the mortgage on my current home to a buy to let loan with Norwich and Peterborough Building Society and I will use the rest of the raised equity towards further house. The location we are talking about is St Athan. Will your lawyers be able to act for the two lenders and link together the conveyances?
Make use of our search tool on this page to ensure that the solicitors are approved by both lenders. Having checked that they are the solicitor should be able to connect the two transactions but you should have a chat with you solicitor and communicate your desired outcome and needs.
I am just shy of a 10% deposit on my house purchase in St Athan , but I am anxious go ahead. What can I do?
You can agree a smaller deposit. Many sellers will agree to a lower deposit or even no deposit for a first time buyer or 100% mortgage. Be aware though that if you fail to complete you will still need to hand over a minimum of 10% of the purchase price regardless of how much deposit was agreed.
You can also agree a simultaneous exchange and completion as no deposit is required for this however neither party will be tied in until completion actually takes place and it can be risky if sellers change their mind at the last second