My bid for a property was accepted at auction in Middlesbrough. Conveyancing is required. What are my next steps?
Having for in every practical sense signed on the dotted line you now have to choose a conveyancing practitioner as a matter of priority as you will have a fast approaching deadline in which to complete the transaction. An auction property will ordinarily have a bespoke auction pack. This will include evidence of title and search results. Where you are dealing with leasehold premises the conveyancing pack may contain a copy of the lease, management information and a sellers leasehold information form and other conveyancing documentation pertinent to leasehold premises. You should pass this on to the solicitor instructed by you at the earliest opportunity. You also need to ensure that you have funds in place to complete the transaction on the set completion date.
I had a mortgage agreed in principle with RBS. Middlesbrough conveyancing solicitors were instructed. What is the average time that one could expect to receive a mortgage offer from RBS?
Some lenders take longer than others. Have RBS done the valuation? Have you advised RBS as to your lawyers' details and checked that your lawyers are on the RBS conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
We were going to get a OIP from HSBC 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 HSBC recommend any Middlesbrough solicitors on the HSBC conveyancing panel, or is it better to go independently?
You will need to appoint Middlesbrough solicitors independently although you'll need to choose one on the HSBC conveyancing panel. The solicitor represents both you and HSBC through the process.
It has been three months following my purchase conveyancing in Middlesbrough completed. I have checked the Land Registry site which shows that I paid £175,000 when infact I paid £180,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the asset from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I have been pointed in your direction by a number of estate agents in Middlesbrough to locate a conveyancer using your seach tool. Is there a financial advantage for Estate Agents to recommend your services over alternative conveyancing organisations?
We don’t make any financial incentive for pointing buyers and sellers to this site. We thought it would be too underhand to pay a commission because members of the public would think, ‘Why is the agent getting a kickback? Why aren’t I getting any benefit too?’ We would prefer to grow our business on genuine recommendations.
I am thinking of appointing a conveyancing practitioner in Middlesbrough for my home move. Can I review a solicitor's complaints history with the profession’s regulator?
Members of the public can review published Solicitor Regulator Association (SRA) determinations resulting from investigations commenced on or after 1 January 2008. Visit Check a solicitor's record. For information Pre 2008, or to check a solicitors history, telephone 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For non-uk callers, call +44 (0)121 329 6800. The SRA may monitor call for training reasons.
My mum and dad are encountering difficulties in finding their Middlesbrough land registry title on the site. They recall that 50 years ago when they bought the house there were complications concerning Middlesbrough not being recognised in some systems.
The vast majority of residences in Middlesbrough should appear. Have you endevoured to search with simply the postcode. Normally it will identify all the houses and flats within the postcode. Assuming the property is recorded it will show up with a title number. Where they bought 50 years ago it's conceivable it may be unrecorded. The address could still be revealed but with the title number identified as 'na'. In this scenario you will need to find the original title deeds which could be with your parent’s mortgage company.