Do banks and building societies provide you with an approved list of St Giles conveyancing solicitors? How do you know who is on the Santander conveyancing panel?
St Giles conveyancing firms themselves provide us confirmation that they are on the Santander conveyancing panel as opposed to being supplied with a list from Santander directly.
Do I select a Licenced Conveyancer or Solicitor for conveyancing in St Giles?
There are many registered licenced Conveyancers in St Giles and Solicitor partnerships in St Giles who can assist with your conveyancing We would stress that both are regulated professionals specialising in the legal aspects of transferring property. Both can handle other property legal work such as remortgage conveyancing, lease extensions and transfer of equity conveyancing.
We are planning to move property in April. Will my conveyancing solicitor communicate with the removal company on the day of completion. Incidentally, can you recommend a removal company in St Giles. Conveyancing firm was chosen before I stumbled across your website.
On the afternoon of completion you will need to pick up the house keys from your estate agent however this can only be done after the vendors conveyancers advise the agent that the monies to complete are in and the keys can be collected. Subsequently you should advise the removal men that they can start moving you in. As a matter of policy we do not suggest a specific removal organisation but can help you locate a residential property solicitor in St Giles or a solicitor with expertise in conveyancing in St Giles.
After shopping around on the internet I have found a St Giles conveyancing practitioner having checked that they are on the RBS conveyancing panel. Does my lawyer arrange the survey of the property?
RBS will need an independent valuation of the property. Your lawyer will not arrange this. Usually RBS will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your conveyancing practitioner will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your St Giles postcode. As you are getting a mortgage with RBS, you could contact them to see if they have a list of approved surveyors in St Giles.
How does conveyancing in St Giles differ for new build properties?
Most buyers of new build property in St Giles come to us having been asked by the builder to sign contracts and commit to the purchase even before the residence is ready to move into. This is because new home sellers in St Giles tend to buy the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in St Giles or who has acted in the same development.
Due to the advice of my in-laws I had a survey completed on a property in St Giles before appointing lawyers. I have been informed that there is a flying freehold aspect to the property. The surveyor has said that some mortgage companies tend refuse to give a mortgage on such a home.
It varies from the lender to lender. Santander has different requirements from Nationwide. Should you wish to telephone us we can check via the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in St Giles. Conveyancing will be smoother if you use a solicitor in St Giles especially if they regularly deal with such properties in St Giles.
I am hoping to put an offer on a small detached house that appears to be perfect, at a great figure which is making it more attractive. I have subsequently found out that it's a leasehold rather than freehold. I am assuming that there are particular concerns purchasing a leasehold house in St Giles. Conveyancing solicitors have not yet been instructed. Will my lawyers set out the implications of buying a leasehold house in St Giles ?
Most houses in St Giles are freehold rather than leasehold. This is one of the situations where having a local solicitor used to dealing with such properties who can help the conveyancing process. it is apparent that you are buying in St Giles in which case you should be shopping around for a St Giles conveyancing solicitor and be sure that they are used to transacting on leasehold houses. As a matter of priority you will need to check the unexpired lease term. As a tenant you will not be entirely free to do whatever you want with the house. The lease will likely included provisions for example obtaining the freeholder’spermission to conduct alterations. You may also be required to pay a maintenance charge towards the maintenance of the estate where the house is part of an estate. Your lawyer will appraise you on the various issues.