We're in Halewood, First timers buying with a mortgage (lender is Aldermore , and our solicitor is on the Aldermore conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Aldermore conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no lawyer 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.
We are buying a house in Halewood. I might seem paranoid but how we can trust a solicitor? At some point we will need to send our life savings into their account. What protection do 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.
I am assisting my aunt sell her house in Halewood. Does the conveyancer arrange the energy assessment or it is for me to coordinate?
After the abolition of HIPs, energy assessments remained a required part of selling a property. An energy performance certificate should be to hand before the property is marketed. It is not something that law firms ordinarily arrange. Where you are using a Halewood conveyancing solicitor they may be willing to arrange EPC’s given their contacts with long established local accredited person
My husband and I are in the throws of looking at apartments in Halewood and I am now considering a potential offer. Should I already have a property lawyer appointed at this point? I will be getting a home loan with Aldermore.
You should start requesting conveyancing quotes from solicitors ASAP. 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 Aldermore, make sure you remember to check that your lawyer is on the Aldermore conveyancing panel.
I purchased a semi-detached Georgian house in Halewood. Conveyancing practitioner acted for me and Bank of Ireland. I happened to do a free search for it on the Land Registry database and there are a couple of entries: one for freehold, another for leasehold under the exact same property. Is it worth asking Bank of Ireland to clarify?
You should read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Halewood and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with purchasers. You can also check the situation with your conveyancing solicitor who completed the work.
Am I right to be concerned by brokers that I am dealing with are recommending an internet conveyancing firm as opposed to a High Street Halewood conveyancing company?
As is the case with many professional services, often suggestions from family and friends can be worth their weight in gold. Yet there are lots of players in a conveyancing transaction; estate agents, mortgage brokers and mortgage companies may recommend conveyancers to choose. Sometimes the conveyancers might be known to one of the organisations as being good in their field, but sometimes there exists a financial incentive behind the endorsement. You are at liberty to select your preferred lawyer. Don't forget that the majority of banks specify a panel list of solicitors you have to use for the lender related work in your transaction.
My aim is to acquire a ground floor flat in Halewood. Conveyancing lawyer has been awaiting, from the owner, building insurance schedule. This morning I was informed that the owner needs to forward the insurance schedule for the flat above as well. Why would my conveyancer need to check the insurance for the flat above? Is it strictly necessary? We have been in hold for the previous three weeks…
It is not unheard of in leasehold conveyancing in Halewood to find Conveyancing in Halewood in a minority of cases reveals that the lease requires the tenant's to insure their individual flats rather than the freeholder insuring the complete block - which is definitely better. You should double check with your property lawyer but it would appear that your lawyer is seeking to establish that the complete building is insured. Insuring your apartment is no help when it comes to rebuilding after a fire if the other flat cannot be reinstated as a result of lack of insurance.