When does exchange of contracts take place for sale conveyancing in Worcestershire and am I required to be at the conveyancers branch?
Where you are round the corner to one of the conveyancing solicitors in Worcestershire you are welcome to attend to sign the paperwork. That being said, the lender approved solicitors we work with supply countrywide coverage for conveyancing and provide just as diligent and professional a job for you when communicating with you by post or email. The signing of the contract is not when everything is set in stone. Signing on the dotted line is necessary for the conveyancer to address the formalities when the time is right, which will usually be very shortly after signing. The procedure is nowadays normally dealt with by telephone and can be very rapid, although where a long "chain" is involved, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Worcestershire)to be in the office available at the end of the phone to exchange contracts.
After shopping around on the internet I have found a Worcestershire conveyancer having made sure that they are on the Barclays conveyancing panel. Does my lawyer arrange the survey of the property?
Barclays will need an independent valuation of the property. Your lawyer will not arrange this. Usually Barclays will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Worcestershire surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
RBS have agreed my home loan in principle, my offer on a house in Worcestershire has been accepted, what happens next?
The estate agent will need to know who your solicitors are (ensure that the lawyers are on the bank’s approved list). Call up RBS or the financial adviser and finish off any relevant documentation. RBS will instruct a valuer who will get in touch with the selling agent or vendor to book a slot for the valuation to occur. Once conducted (assuming no problems) it takes approximately ten days to receive the mortgage offer. RBS will issue the offer to you and your conveyancing practitioners. The transaction will then take it’s course according the nature and complexity of the conveyancing in Worcestershire.
I have finally had an offer on a flat in Worcestershire agreed to, but there is a chain. The vendors have offered on on an apartment, however it’s not yet tied up, and have viewings of other apartments booked. I have chosen a nearby conveyancing solicitor in Worcestershire. What should be my next step? When should I get the mortgage application with Kent Reliance started?
It is normal to have concerns where there is a chain as you are unlikely to want to incur expenses prematurely (home loan application is in the region of one thousand pounds, then valuation, Worcestershire conveyancing search charges, etc). The first thing to do is ensure that your solicitor is on the Kent Reliance approved list. Concerning the subsequent steps this very much dictated by the specifics of your case, desire for the property and on the state of the market. During a buoyant market many home buyers would apply for the mortgage with Kent Reliance and pay for the valuation and only if it was satisfactory would they pay their property lawyer to proceed with the conveyancing in Worcestershire.
Just acquired a semi-detached house in Worcestershire , how long will it take for the Land Registry to register my ownership? My Worcestershire conveyancing solicitor has been very slow, so I want to be certain that my ownership is registered.
As far as conveyancing in Worcestershire registration is no faster or slower than the rest of the country. Rather than based on location, timescales can vary depending on the party submitting the application, whether it is in order and if the Land registry have to notify any interested persons or bodies. At present approximately three quarters of submission are fully addressed in less than three weeks but some can be subject to extensive hold-ups. Registration takes place once the new owner has moved in to the property thus 'speed' is not always primary concern yet if there is a degree of urgency associated with the registration then you or your solicitor must contact the land registry and explain the circumstances.
We're first time buyers - had an offer accepted, but the estate agent informed us that the seller will only proceed if we instruct the agent's preferred lawyers as they are insisting on an ‘expedited deal’. My instinct tells me that we should use a high street solicitor with experience of conveyancing in Worcestershire
We suspect that the seller is not behind this requirement. If they want ‘a quick sale', alienating a serious purchaser is going to damage their objectives. Speak to the owners direct and explain that (a)you are keen to buy (b)you are ready to go, with mortgage lined up © you are chain free (d) you intend to proceed fast (e)however you will continue to instruct your own,trusted Worcestershire conveyancing lawyers - not the ones that will give their estate agent a introducer fee or hit his conveyancing thresholds demanded by head office.
At last I have had an offer on an maisonette in Worcestershire accepted, the vendor does however have a tied purchase. The vendors have offered on a flat, however it’s not yet tied up, and has viewings of other properties in the pipeline. I have selected a local conveyancing solicitor in Worcestershire. What should be my next step? When do I get the mortgage application with Lloyds started with Lloyds?
It is standard to have apprehensions where there is an associated chain given your reluctance to be too out of pocket too early (home loan application is in the region of one thousand pounds, then survey, Worcestershire conveyancing search charges, etc). First, you must check that your conveyancer is on the Lloyds approved list. As to the next steps this very much depends on the circumstances of your transaction, desire for the property and on the state of the market. In a rising market the majority of home buyers will apply for the mortgage with Lloyds and pay for the survey and only if it comes back ok would they pay their solicitor to proceed with searches.