We are looking to buy a house and require a conveyancing solicitor in Topsham who is on the Skipton conveyancing panel. Could you point me in the right direction as regards a conveyancing firm?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Skipton . We don't recommend any particular firms conducting conveyancing in Topsham.
How can we tell if a Topsham conveyancing solicitor on the Barclays panel is any good?
When it comes to conveyancing in Topsham getting recommendations is a sensible starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always recommend that you speak with the solicitor carrying out your conveyancing.
I am selling my apartment. I had a double glazing fitted in November 2006, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, RBS are being problematic. The Topsham solicitor who is on the RBS conveyancing panel is recommending indemnity insurance as a solution but RBS are requiring a building regulation certificate. Why do RBS have a conveyancing panel if they don't accept advice from them?
It is probably the case that RBS have referred the matter to their valuer. The reason why RBS may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
After what seems like an age I have had an offer on a maisonette in Topsham agreed to, but there is a chain. The owners have offered on somewhere, however it’s not yet tied up, and are looking at other properties booked. I have selected a bricks and mortar conveyancing solicitor in Topsham. What should be my next step? When should I get the mortgage application with Kent Reliance started?
It is normal to have anxieties where there is a chain as you are unlikely to want to be too out of pocket prematurely (mortgage application is in the region of one thousand pounds, then survey, Topsham conveyancing search charges, etc). First, you should ensure that your conveyancing practitioner is on the Kent Reliance conveyancing panel. Regarding the subsequent stages this very much dictated by the specifics of your transaction, motivation for this property and on the state of the market. In a rising market some purchasers will apply for the mortgage with Kent Reliance and pay for the valuation and only if it comes back ok would they pay their conveyancer to proceed with the conveyancing in Topsham.
How does conveyancing in Topsham differ for new build properties?
Most buyers of new build property in Topsham approach us having been asked by the developer to exchange contracts and commit to the purchase even before the residence is built. This is because developers in Topsham typically buy the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Topsham or who has acted in the same development.
Yesterday I discovered that there is a flying freehold element on a house I have offered on last month in what should have been a straight forward, chain free conveyancing. Topsham is where the house is located. Is there any guidance you can impart?
Flying freeholds in Topsham are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Topsham 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 Topsham 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.
I have been pointed in your direction by a few selling agents in Topsham to get a quote from a solicitor on your site. What’s the financial upside for Estate Agents to promote your services over another?
We refuse to offer any financial incentive for pointing buyers and sellers to this site. We thought it would be too underhand to pay a commission because home movers will think, ‘Why is the agent getting a kickback? Why am I not receiving any benefit too?’ We would prefer to grow our business on genuine recommendations.