We are acquiring our first property. Our lawyer has e-mailedto ask if we would like to order supplemental conveyancing searches. Frankly we have no idea as to what's appropriate for conveyancing in Worksop
The quantity and type of Worksop conveyancing searches should be dictated primarily on the premises, the location, the possibility of any of these risks, your knowledge of the region and risks, your general attitude to risk. What is important is that you properly understand what information each search could provide. Then you can make a decision if you consider that you need that information. If in doubt, ask the solicitor to offer guidance.
How up to date is your search tool for Worksop conveyancing solicitors on the Bank of Ireland conveyancing panel? Do Bank of Ireland send you an updated list?
Worksop conveyancing firms themselves provide us confirmation that they are on the Bank of Ireland conveyancing panel as opposed to being supplied with a list from Bank of Ireland directly.
I am expecting a AIP from Co-operative this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Co-operative recommend any Worksop solicitors on the Co-operative conveyancing panel, or is it better to go independently?
You will need to appoint Worksop solicitors independently although you'll need to choose one on the Co-operative conveyancing panel. The solicitor represents both you and Co-operative through the process.
About to purchase house in Worksop. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Aldermore conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Worksop conveyancer is on the Aldermore conveyancing panel.
I have instructed a Worksop lawyer having checked that they are on the Principality conveyancing panel. Does my lawyer arrange the survey of the property?
Principality will need an independent valuation of the property. Your lawyer will not arrange this. Usually Principality 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. Your conveyancer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Worksop postcode. As you are getting a mortgage with Principality, you could contact them to see if they have a list of approved surveyors in Worksop.
I'm buying my first flat in Worksop with the aid of help to buy. The builders refused to move on the amount so I negotiated £7000 of fixtures and fittings instead. The house builders rep suggested that I not inform my solicitor about this extras as it would adversely affect my loan with Clydesdale. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
My husband and I are first time buyers - had an offer accepted, yet the selling agent told us that the seller will only move forward if we use their chosen lawyers as they are insisting on an ‘expedited deal’. Our preferred option is to instruct a family solicitor who is accustomed to conveyancing in Worksop
It is unlikely the sellers are behind this. Should the owner want ‘a quick sale', alienating a motivated buyer is counter productive. Try to communicate with the owners directly and explain that (a)you are keen to buy (b)you are excited to move forward, with mortgage lined up © you are unencumbered (d) you intend to proceed fast (e)but you will continue to use your preferred Worksop conveyancing lawyers - not the ones that will provide the negotiator at the agency a referral fee or hit his conveyancing thresholds set by HQ.