Can you help? My Greenhithe conveyancer is informing me me that she is duty bound toapply for Greenhithe conveyancing searches resulting from the fact thatthe firm are on the Santanderconveyancing panel. Do I not have any say here?
Unfortunately both you and your lawyer have little choice here. Given that you are taking out a loan with a lender your property lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your property lawyer would have previously signed the Terms and Conditions of your bank’s conveyancing panel appointment which obliges them to follow the Council of Mortgage Lenders’ Handbook conditions . Even if you were a cash buyer you would be ill advised not to carry out Greenhithe conveyancing searches.
My grandfather passed away 10 months ago and as sole heir and executor I was left the property in Greenhithe. The house had a relatively small loan remaining of approximately £8000. I want to have the title changed into my name whilst I re-mortgage to Co-operative, pay off the mortgage. Is this possible?
If you intend to refinance then Co-operative will require that you use a conveyancer on the Co-operative 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 Co-operative 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 Co-operative mortgage is registered as a charge at the Land Registry.
Me and my partner are buying a apartment in Greenhithe. I might seem paranoid but how we can trust a lawyer? At some point we have to put our life savings into their account. What is the protection we have from them run away with our money?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
Do I choose a Licenced Conveyancer or Solicitor for conveyancing in Greenhithe?
There are two types of lawyers who can perform conveyancing in Greenhithe namely licenced conveyancers or solicitors. The two can administer conveyancing services that you need to complete the sale or purchase of property. Both are obliged to handle Greenhithe conveyancing on similar standards and guidelines so you can be safe in the knowledge that your conveyancing will be properly carried out and that the requirements and steps should be suitably taken.
My solicitor has informed me that lack of right of way insurance is required on my purchase. What is the typical level of cover needed for conveyancing in Greenhithe?
The right level of lack of right of way indemnity insurance depends on your lender. It would differ for example between Santander and Barnsley Building Society. Conveyancing practitioners as opposed to members of the public take out such insurances.
Do I need to take out insurance to protect me from financial exposure to chancel repairs when buying a property in Greenhithe?
Unless a previous purchase of the premises completed post 12 October 2013 you could expect conveyancing practitioners handling conveyancing in Greenhithe to remain encouraging a chancel search and or chancel repair liability policy.
My partner has urged me to use his lawyers for conveyancing in Greenhithe. Do I take his advice?
No doubt the ideal way to choose a conveyancing lawyer is to seek feedback from friends or relatives who have actually previously instructed the firm you're considering.