Do all mortgage companies provide you with an approved list of Stoke Sub Hamdon conveyancing solicitors? How do you know who is on the Clydesdale conveyancing panel?
Stoke Sub Hamdon conveyancing firms themselves provide us confirmation that they are on the Clydesdale conveyancing panel as opposed to being supplied with a list from Clydesdale directly.
What is the best way to check that the solicitor carrying out my conveyancing in Stoke Sub Hamdon is on the lender’sapproved panel? I am looking to avoid the situation of having one lawyer for me and one for Birmingham Midshires thus paying £187.00 plus VAT in further conveyancing fees.
Please do take advantage of the search tool on this web page. Please choose the mortgage company and type ‘Stoke Sub Hamdon’ or your preferred area and you will be presented with a number of lawyer based in Stoke Sub Hamdon or by proximity to you.
What is the difference between a licensed conveyancer and conveyancing solicitor in Stoke Sub Hamdon
Two types of professional can do conveyancing in Stoke Sub Hamdon namely CLC regulated conveyancers or solicitors. Both professionals handle conveyancing services that you need to complete the disposal or acquisition of property. Both are obliged to conduct Stoke Sub Hamdon conveyancing to the same quality and guidelines so you may be safe in the knowledge that your conveyancing will be properly carried out and that all requisite steps will be appropriately followed.
A friend pointed out to me me that in buying a property in Stoke Sub Hamdon there could be various restrictions affecting the ability to carry out external changes to a property. Is this right?
We are aware of a number of properties in Stoke Sub Hamdon which have some sort of restriction or requirement of consent to external changes. Part of the conveyancing in Stoke Sub Hamdon should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I have today made my last payment due on my mortgage with Kent Reliance. I assume I don't need a Stoke Sub Hamdon conveyancer on the Kent Reliance panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Kent Reliance mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Kent Reliance mortgage from the register. Kent Reliance, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Kent Reliance has sent the Land Registry the discharge electronically, and
- Kent Reliance has instructed the Land Registry to do so
Yesterday I discovered that there is a flying freehold issue on a house I have offered on last month in what should have been a straight forward, chain free conveyancing. Stoke Sub Hamdon is the location of the property. What do you suggest?
Flying freeholds in Stoke Sub Hamdon are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Stoke Sub Hamdon you must be sure that your lawyer goes through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Stoke Sub Hamdon may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
Why is it not possible to complete my conveyancing in Stoke Sub Hamdon on Easter Monday?
Because on completion the sale price will be transferred electronically between the banks of the purchaser and owner’s lawyer and currently this can only occur on a working day. So you can't complete on a saturday or sunday either.