We're in Winterbourne, FTBs purchasing with a mortgage (lender is HSBC , and our solicitor is on the HSBC conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the HSBC conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancing practitioner should guarantee a timeframe for your conveyancing, due to third parties outside of your control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain.
I am helping my sister sell her property in Winterbourne. Does the solicitor arrange an EPC or it is for me to coordinate?
After the demise of Home Packs, EPC’s remained a mandatory component of moving house. An energy performance certificate must be commissioned prior to the property being placed on the market. This is not a task that solicitors ordinarily organise. Where you are instructing a Winterbourne conveyancing practitioner they may be willing to arrange energy assessments due to their relationships with reputable Winterbourne providers
We are getting a further advance on our home loan from Nottingham as we intend to carry out a loft conversion to our property in Winterbourne. Are we obliged to select a bricks and mortar Winterbourne solicitor on the Nottingham conveyancing panel to handle the paperwork?
Nottingham don't usually appoint a member of their approved list of lawyers to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Nottingham conveyancing panel.
It is unclear whether my lender requires a lease extension. I have called my Winterbourne building society branch on numerous occasions and was told it does not impact the mortgage offer and they would lend. My Winterbourne conveyancing solicitor - who is on the bank conveyancing panel- telephoned to say that they will not lend in accordance with their published requirements. I have no idea who is right.
The lawyer must follow the CML Handbook section two conditions for your lender. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.
I need some expedited conveyancing in Winterbourne as I am under pressure to exchange contracts inside one month. A mortgage is not required. Is it possible to decline from having conveyancing searches to save money and time?
As you are not taking a mortgage you are at liberty not to have searches carried out although no solicitor would suggest that you don't. Drawing on our experience of conveyancing in Winterbourne the following are examples of what can show up and therefore impact future mortgageability: Refused Planning Applications, Overdue Charges, Overdue Grants, Railway Schemes,...
I used Action Conveyancing several years ago for my conveyancing in Winterbourne. Now, I need the files but the law firm is no longer operating. What do I do?
Do call the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Winterbourne of the conveyancing firm of solicitors you previously retained, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
Due to the guidance of my in-laws I had a survey completed on a house in Winterbourne before appointing solicitors. I have been told that there is a flying freehold overhang to the property. The surveyor advised that some banks may not give a loan on this type of house.
It depends who your proposed lender is. Lloyds has different requirements from Halifax. If you call us we can investigate further with the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Winterbourne. Conveyancing may be slightly more expensive based on your lender's requirements.