My fiance and I are purchasing a maisonette in South Croydon. My Conveyancer is not listed on the mortgage company solicitor panel. Am I still permitted to continue with my South Croydon conveyancing solicitor even though they are excluded from the mortgage company panel of approved conveyancing solicitors?
Various options include
- Complete the deal with your chosen South Croydon lawyer but your lender will need to appoint a conveyancer from their approved panel. This will result in additional cost and potential interruption.
- Get a new property lawyer to conduct the conveyancing, obviously checking they are on the mortgage company conveyancing panel.
- Convince your lawyer to seek to join the lender panel
It is a dozen years since I bought my house in South Croydon. Conveyancing solicitors have just been retained on the sale but I can't locate the title documents. Is this a problem?
You need not be too concerned. Firstly there is a possibility that the deeds will be with your lender or they could be in the possession of the lawyers who handled the purchase. Secondly the chances are that the title will be registered at the land registry and you will be able to prove you own the property by your conveyancing solicitors procuring current official copies of the land registers. Most conveyancing in South Croydon relates to registered property but in the unlikely event that your home is unregistered it adds to the complexity but is resolvable.
Should my lawyer be raising questions concerning flooding during the conveyancing in South Croydon.
Flooding is a growing risk for conveyancers dealing with homes in South Croydon. There are those who purchase a house in South Croydon, fully aware that at some time, it may be flooded. However, leaving to one side the physical damage, where a property is at risk of flooding, it may be difficult to get a mortgage, satisfactory insurance cover, or dispose of the property. Steps can be carried out during the course of a property purchase to forewarn the purchaser.
Lawyers are not qualified to impart advice on flood risk, but there are a numerous searches that can be initiated by the buyer or on a buyer’s behalf which will give them a better appreciation of the risks in South Croydon. The standard completed inquiry forms supplied to a purchaser’s conveyancer (where the solicitors are adopting what is known as the Conveyancing Protocol) incorporates a standard inquiry of the seller to find out whether the premises has suffered from flooding. In the event that flooding has previously occurred which is not revealed by the seller, then a buyer may commence a legal claim for losses as a result of such an incorrect reply. A buyer’s solicitors may also conduct an enviro report. This should reveal whether there is a recorded flood risk. If so, further investigations should be made.
What makes your site different to other online quote calculators when it comes to conveyancing in South Croydon?
At this site receive a conveyancing quote from a Solicitor or Licensed Conveyancer that has a full understanding of the nuances of your conveyancing in South Croydon. Unlike many estate agents and brokerage sites we do not operate kick-back deals with solicitors. Many agents and online brokers 'recommend' solicitors who pay the most commission, rather than the best value conveyancing in South Croydon
In sourcing the world wide web for the phrase cheap conveyancing in South Croydon it brings up numerous solicitorslocally. How do I determine which is the suitable conveyancer for me?
The preferential way of seeking the right conveyancer is through a personal recommendation, so enquire of colleagues and those you trust who have bought a property in South Croydon or a respected estate agent or mortgage broker. Fees for conveyancing in South Croydon vary, so it's advisable to obtain at least four quotes from different conveyancers. Dont forget to clarify what costs in the quote includes.