I am expecting a AIP from Barclays this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Barclays recommend any Calne solicitors on the Barclays conveyancing panel, or is it better to go independently?
You will need to appoint Calne solicitors independently although you'll need to choose one on the Barclays conveyancing panel. The solicitor represents both you and Barclays through the process.
I have paid off my mortgage with Nationwide. I assume I don't need a Calne conveyancing practitioner on the Nationwide panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Nationwide 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 Nationwide mortgage from the register. Nationwide, 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 Nationwide has sent the Land Registry the discharge electronically, and
- Nationwide has instructed the Land Registry to do so
I am currently in the process of buying my council flat in Calne. I have a mortgage offer with Barclays. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Barclays, you will need to appoint a solicitor on the Barclays conveyancing panel.
Do I need to pay for insurance to address the risk of chancel repairs when acquiring a property in Calne?
Unless a prior purchase of the house took place post 12 October 2013 you may take it that solicitors conducting conveyancing in Calne to remain encouraging a chancel search and or insurance against a claim.
I got the keys to my apartment on 16 January and my personal details are still not on the land registry website. Should I be concerned? My conveyancing solicitor in Calne said it should be dealt with inside ten days. Are transfers in Calne uniquely lengthy to register?
There is nothing unique about conveyancing in Calne registration formalities. Rather than based on location, timescales can differ depending on the party submitting the application, whether it is in order and if the Land registry need to notify any other parties. At present roughly three quarters of such applications are fully dealt with in less than three weeks but occasionally there can be extensive hold-ups. Registration is effected after the buyer is living at the property so 'speed' is not always an essential issue but where it is urgent that the the registration takes place urgently then you or your conveyancer must speak with the land registry and explain the circumstances.
About to purchase a new build flat in Calne. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.
Set out below are examples of a selection of leasehold new build questions that you can expect your new-build leasehold conveyancing in Calne
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Please supply a car parking plan. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Please supply evidence that the form of Lease proposed has been approved by the Land Registry. Forfeiture - bankruptcy or liquidation must not apply under this provision. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided.
Me and mywife and I are are seeking to find a dependable conveyancing lawyer in Calne to buy a apartment. I want to avoid being ripped off and there are plenty Calne conveyancing solicitors to choose from...how do I know which one is best to appoint?
Where you have never instructed a property lawyer in the past, a trustworthy recommendation from family or friends is a great place to start and is often the best indicator of quality. As an alternative option, take a look at the client references presented on your conveyancer’s website or make the most of our search tool to find a conveyancing solicitor in Calne.