How up to date is your database of Wiltshire solicitors on the Barclays conveyancing panel? Do Barclays send you an updated list?
Wiltshire conveyancing firms themselves provide us confirmation that they are on the Barclays conveyancing panel as opposed to being supplied with a list from Barclays directly.
We are buying a apartment in Wiltshire. It might be a silly question but how we can trust a conveyancer? At some point we will need to put money into their account. What protection do we have from them run away with our monies?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
My husband and I have arranged a further advance on our mortgage from Kent Reliance as we wish to carry out alterations to our home in Wiltshire. Do we need to appoint a bricks and mortar Wiltshire solicitor on the Kent Reliance conveyancing panel to handle the legals?
Kent Reliance would not normally instruct a member of their conveyancing panel to handle such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Kent Reliance panel.
My sealed bid on a detached house in Wiltshire has been accepted, but there is a chain. The vendors have placed an offer on a property, but it’s not yet agreed to, and have viewings of other flats booked. I have instructed a nearby conveyancing solicitor in Wiltshire. What should be my next step? At what point should I apply for the mortgage with Aldermore?
It is normal to have apprehensions where there is a chain as you are unlikely to want to incur expenses too early (mortgage application is in the region of one thousand pounds, then valuation, Wiltshire conveyancing search charges, etc). First, you must ensure that your conveyancer is on the Aldermore approved list. Concerning the subsequent stages this very much depends on the uniqueness of your case, attraction to this property and on the state of the market. During a buoyant market some home buyers will apply for a home loan with Aldermore and pay for the valuation and only if it was satisfactory would they ask their solicitor to proceed with searches.
Should our conveyancer be raising enquiries regarding flooding as part of the conveyancing in Wiltshire.
Flooding is a growing risk for lawyers carrying out conveyancing in Wiltshire. There are those who acquire a house in Wiltshire, fully aware that at some time, it may suffer from flooding. However, aside from the physical damage, where a property is at risk of flooding, it may be difficult to obtain a mortgage, suitable building insurance, or dispose of the property. There are steps that can be taken during the course of a house purchase to forewarn the purchaser.
Conveyancers are not best placed to give advice on flood risk, but there are a various checks that may be carried out by the purchaser or on a buyer’s behalf which should figure out the risks in Wiltshire. The standard information sent to a purchaser’s conveyancer (where the solicitors are adopting what is known as the Conveyancing Protocol) contains a standard question of the vendor to determine if the property has suffered from flooding. In the event that flooding has previously occurred which is not disclosed by the owner, then a buyer may bring a compensation claim stemming from an misleading reply. The purchaser’s conveyancers may also carry out an enviro report. This will disclose whether there is any known flood risk. If so, additional inquiries will need to be carried out.
I decided to have a survey done on a property in Wiltshire prior to retaining lawyers. I have been told that there is a flying freehold overhang to the house. The surveyor advised that some mortgage companies tend refuse to grant a mortgage on a flying freehold premises.
It depends who your proposed lender is. HSBC has different requirements for example to Halifax. Should you wish to telephone us we can check via the appropriate lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Wiltshire. Conveyancing will be smoother if you use a solicitor in Wiltshire especially if they are accustomed to such properties in Wiltshire.
My partner has recommend that I appoint his conveyancing solicitors in Wiltshire. Should I use them?
No doubt it’s preferable to choose a conveyancing solicitor is to get guidance from friends or relatives who have experience in using the conveyancer that you are are thinking of instructing.