The Bollington conveyancing firm handling our Bollington conveyancing has uncovered a discrepancy between the information in the home valuation report and what is in the conveyancing documents. My lawyer informs me that he must check that the bank is OK with this discrepancy and is content to go ahead. Is my conveyancer’s approach right?
Your conveyancer must comply with the UK Finance Lenders’ Handbook requirements which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.
We note that you have a post code search directory listing firms on the Santander conveyancing panel. Do companies pay you a commission if I instruct them for our conveyancing in Bollington?
We are a listing service only for law firms wishing to communicate if they are on the Santander conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Bollington.
My grandmother passed away six months ago and as sole heir and executor I was left the house in Bollington. The house had a relatively small loan left on it of around £8000. I want to transfer the title deeds into my name whilst I re-mortgage to Yorkshire BS, pay off the mortgage. Is this allowed?
Where you intend to re-mortgage then Yorkshire BS will require that you use a conveyancer on the Yorkshire BS conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Yorkshire BS conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Yorkshire BS mortgage is registered as a charge at the Land Registry.
My wife and I buying a 4 bedroom semi-detached house in Bollington. Our aim is to an extension at the rear at the house.Will the conveyancing process involve enquiries to determine if these works are allowed?
Your solicitor should check the registered title as conveyancing in Bollington can occasionally reveal restrictions in the title documents which prohibit certain changes or need the permission of another owner. Certain works require local authority planning consent and approval under the building regulations. Many areas are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. It would be wise to check these things with a surveyor prior to committing yourself to a purchase.
We previously instructed conveyancers locally in Bollington on the Coventry BS solicitor panel. They are now charging me a supplemental charge for the legal aspects of the Coventry BS mortgage. Is this an additional conveyancing fee specified by Coventry BS?
Provided it is contained in their Terms and Conditions or Quote then yes your conveyancing practitioner may charge a fee for this. The fee is not set by Coventry BS but by your Bollington lawyer. Some firms on the Coventry BS panel will charge an ‘acting for lender’ fee and others do not.
My husband and I are in the process of viewing flats in Bollington and I am about to put in an offer. Is it too early to have a solicitor in place? I am planning to take a mortgage with UBS.
It would be wise to commence your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on to the estate agent. As you are obtaining a mortgage with UBS, ask your prospective lawyers if they are on the UBS conveyancing panel otherwise they can't do the mortgage legal work.
I have been sourcing a conveyancing solicitor in Bollington for my remortgage. Can I see a solicitor's complaints history with the profession’s regulator?
You may see presented Solicitor Regulator Association (SRA) decisions arising from investigations from 2008 onwards. Visit Check a solicitor's record. For details Pre 2008, or to check a solicitors record, telephone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For callers outside the UK, use +44 (0)121 329 6800. The regulator may recorded call for training requirements.