We previously instructed conveyancers based in Thatcham on the Co-operative solicitor panel. They are now charging me a further amount for handling the Co-operative mortgage. Is this a supplemental conveyancing fee set by Co-operative?
Provided it is contained in their Terms of Engagement or Quote then yes your conveyancer may levy a fee for this. This fee is not dictated by Co-operative but by your Thatcham solicitor. Plenty of firms on the Co-operative panel will levy an ‘acting for lender’ fee and others do not.
Last month we had a mortgage agreed in principle with Nottingham. Thatcham conveyancing practitioners were instructed. How long does it take for Nottingham to forward the offer to the conveyancing practitioner?
There is no definitive answer here. Have Nottingham done the survey? Have you advised Nottingham as to your lawyers' details and checked that your lawyers are on the Nottingham conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
I recently had an offer agreed on an apartment in Thatcham. My mortgage broker recommended their conveyancers. I paid an advanced payment of £225. Shortly after, the conveyancer contacted me sheepishly admitting that they were not on the Nationwide 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 Nationwide 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.
Do I need to pay for insurance to cover chancel repairs when buying a property in Thatcham?
Unless a previous acquisition of the property completed after 12 October 2013 you may assume that lawyers handling conveyancing in Thatcham to continue to recommend a chancel search and or insurance against a claim.
The estate agent has sent us the confirmation of our purchase of a new build apartment in Thatcham. Conveyancing is daunting 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 conveyancing.
Here are examples of a few leasehold new build questions that you should expect your new-build leasehold conveyancing in Thatcham
The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Please confirm the Lease plans are surveyor prepared. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. There must be mutual enforceability of lessee’s covenants. Please provide evidence that the form of Lease proposed has been approved by the Land Registry.
Yesterday I discovered that there is a flying freehold issue on a house I have offered on two weeks back in what should have been a straight forward, chain free conveyancing. Thatcham is where the house is located. What do you suggest?
Flying freeholds in Thatcham are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Thatcham you must be sure that your lawyer goes through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Thatcham 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 residence.
My step-father has recommend that I instruct his conveyancers in Thatcham. Should I find my own solicitor?
Much as we are happy to recommend a Thatcham conveyancing lawyer the best way to find a conveyancing lawyer is to get feedback from friends or relatives who have experience in using the conveyancer that you are contemplating using.