At what point will exchange of contracts happen for purchase conveyancing in Bolsover and am I required to be at the conveyancers office?
Where you are near to one of the conveyancing solicitors in Bolsover you are invited in to sign the paperwork. That being said, the law practices we work with provide a national conveyancing service and give just as diligent and professional a job for you when dealing with you digitally. The executing of the contract is not when everything is set in stone. A signed contract simply enables the firm to exchange contracts at the suitable time, which will usually be very shortly after signing. The exchange process is nowadays normally dealt with by telephone and can be very rapid, although where an extended "chain" is in play, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Bolsover)to be in the office at the appropriate time.
We're in Bolsover, First time buyers purchasing with a mortgage (lender is Nationwide , and our solicitor is on the Nationwide conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Nationwide conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancer 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.
A colleague advised me that in purchasing a property in Bolsover there could be various restrictions preventing external changes to a property. Is this right?
We are aware of a number of properties in Bolsover which have some sort of restriction or requirement of consent to perform external changes. Part of the conveyancing in Bolsover should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I have paid off my mortgage with Barclays. I assume I don't need a Bolsover lawyer on the Barclays panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Barclays mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Barclays mortgage from the register. Barclays, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Barclays has sent the Land Registry the discharge electronically, and
- Barclays has instructed the Land Registry to do so
I've read lots of mortgage guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Bolsover solicitor - who is on the Bank of Ireland conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Bank of Ireland will need an independent valuation of the property. Your lawyer will not arrange this. Usually Bank of Ireland 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 Bolsover postcode. As you are getting a mortgage with Bank of Ireland, you could contact them to see if they have a list of approved surveyors in Bolsover.
Do I need to take out insurance to address the risk of chancel repairs when acquiring a residence in Bolsover?
Unless a previous acquisition of the premises completed after 12 October 2013 you could expect conveyancing practitioners handling conveyancing in Bolsover to continue to advocate a chancel search and or insurance against a claim.
I used Wolstenholmes several years past for my conveyancing in Bolsover. I now require my file but cannot find the solicitor. What do I do?
You should contact 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 Bolsover of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.