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

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

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Recently asked questions about conveyancing in St Ives

we are a couple who are buying a 2 bedroom flat in St Ives with a loan from Santander.We have a St Ives conveyancing lawyer but Santander says his firm is not listed on their "panel". we are left little option but to use a Santander panel lawyer or retain our high street solicitor and pay for a Santander panel lawyer to represent them. This seems very unfair; Can we not simply insist that Santander use our lawyer?

Unfortunately,no. The home loan issued to you contains various provisions, a common one being that conveyancers must be on the Santander approved list. in the past, most lenders had large numbers of law firms on their panels: a borrower could find one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your lawyer to apply to be on the conveyancing panel for Santander

I note that there are debates on Chancel Insurance on online forums. Do I require this when acquiring a property in St Ives? or Apparently there is an ancient law that means some owners of property residing in a parish church boundary will be compelled to pay for maintenance towards the chancel in proximity to the church. Is this appropriate for conveyancing in St Ives?

Unless a previous acquisition of the house completed post 12 October 2013 you could expect lawyers handling conveyancing in St Ives to remain recommending a chancel search and or insurance against a claim.

It has been five months following my purchase conveyancing in St Ives completed. I have checked the Land Registry site which shows that I paid £200,000 when infact I paid £180,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the asset from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

I am looking for a ground for flat up to £195,000 and identified one near me in St Ives I like with a park and station in the vicinity, however it's only got 51 years on the lease. I can't really find anything else in St Ives in this price bracket, so just wondered if I would be making a grave error acquiring a lease with such few years left?

Should you require a mortgage the remaining unexpired lease term will be problematic. Discount the offer by the anticipated lease extension will cost if not already taken into account. If the current proprietor has owned the property for a minimum of twenty four months you could ask them to start the process of the extension and then assign it to you. An additional ninety years can be extended on to the existing lease and have £0 ground rent by law. You should speak to your conveyancing lawyer concerning this.

Taking into account that I am about to part with hundreds of thousands of pounds on a garden flat in St Ives I would like to talk to a lawyer concerning theconveyancing in advance of instructing the firm. Is this something that you can arrange?

Absolutely - it is our preference to talk to you we do not take any clients on without you liaising with the lawyer who will be carrying out your property ownership legalities in St Ives.There is no ‘factory style conveyancing’ - every client is an important individual, not a file reference. The practices that we put you in touch with believe that the fees you are calculated and presented to you for your conveyancing in St Ives should be the amount on the final invoice that you are charged.

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