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Find a St Columb Conveyancing Solictior on Your Lender’s Panel

Ready to buy a new home in St Columb? Failing to check that a lawyer is on your lender’s list of approved solicitors can put your St Columb home move at risk of delay or failure.

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Recently asked questions about conveyancing in St Columb

My partner and I swapping mortgage lender for our flat in St Columb with Bank of Ireland. We have a son approaching twenty who lives with us. Our solicitor requested us to identify anyone over the age of 17 other than ourselves who reside at the property. The solicitor has now sent a form for our son to sign, waiving any legal rights in the event that the property is forfeited by the lender. I have a couple of questions (1) Is this form unique to the Bank of Ireland conveyancing panel as he never had to sign this form when we bought 3 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?

On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Bank of Ireland. This is solely used to protect Bank of Ireland if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Bank of Ireland had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

My Solicitor in St Columb has never been on on the The Royal Bank of Scotland Solicitor Panel. Can I still retain my family solicitor even though they are not on the The Royal Bank of Scotland approved list?

The limited options open to you here include:

  1. Complete the purchase with your preferred St Columb lawyers but The Royal Bank of Scotland will need to use a lawyer on their list of acceptable firms. This will inevitably rack up the overall conveyancing charges and cause frustration.
  2. Find a new lawyer to act in the conveyancing, remembering to check they are The Royal Bank of Scotland approved.
  3. Try to convince your The Royal Bank of Scotland solicitor to try to join the The Royal Bank of Scotland panel

I note that there are debates on Chancel Insurance on online forums. Am I compelled to take this when purchasing a residence in St Columb? or Apparently there is an ancient law that means some homeowners living in a parish church boundary may be liable to contribute towards maintenance to the chancel within the church. Is this appropriate for conveyancing in St Columb?

Unless a previous purchase of the house took place after 12 October 2013 you may assume that conveyancing practitioners handling conveyancing in St Columb to continue to propose a a chancel search and or chancel repair liability policy.

I am looking into buying my first house which is in St Columb and I am already nervous. I couldn't find anything specific about St Columb. Conveyancing will be needed in due course but do you know about the St Columb area? or perhaps some other tips you can share?

Rather than looking online forget looking online you should go and have a look at St Columb. In the meantime here are some basic statistics that we found

Estate agents have just been given the go-ahead to market my garden apartment in St Columb. Conveyancing solicitors are to be appointed soon, but I have recently had a half-yearly service charge invoice – should I leave it to the buyer to sort out?

It best that you clear the service charge as normal given that all ground rent and maintenance charges should be apportioned as part of the financial calculations for completion monies, so you will be reimbursed by the purchaser for the period running from after the completion date to the next payment date. Most managing agents will not acknowledge the buyer until the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. This will smooth the conveyancing process.

I own a leasehold flat in St Columb, conveyancing having been completed November 2004. Can you let me have an estimated range of the fair premium for a lease extension? Comparable properties in St Columb with a long lease are worth £186,000. The average or mid-range amount of ground rent is £55 charged once a year. The lease ceases on 21st October 2077

With just 53 years unexpired the likely cost is going to span between £27,600 and £31,800 plus professional fees.

The figure above a general guide to costs for extending a lease, but we are not able to provide the actual costs in the absence of comprehensive due diligence. Do not use the figures in a Notice of Claim or as an informal offer. There may be additional concerns that need to be taken into account and you obviously want to be as accurate as possible in your negotiations. Please do not move forward placing reliance on this information without first seeking the advice of a professional.

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Neighbouring Locations

Padstow
Wadebridge
Newquay
St Columb
St Austell
Truro
Mevagissey

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