I am expecting a offer of a home loan from Santander. I would like to retain the legal services of a Licensed Conveyancer in Westgate on Sea. Does the Santander Solicitor panel exclude conveyancers regulated by the CLC?
The Santander conveyancing panel is, like many other lenders, represented by the CML or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
Me and my partner are buying a property in Westgate on Sea. It might be a silly question but how we can trust a solicitor? At some point we have to send our life savings into their account. What is the protection we have from them run away with our monies?
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.
If you had a top tip for selecting a conveyancing solicitor in Westgate on Sea what would it be?
We would encourage you not to base your choice on the cheapest Westgate on Sea conveyancing quote. You really do get what you pay for when it comes to property lawyers. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.
I have paid off my mortgage with Coventry BS. I assume I don't need a Westgate on Sea conveyancing practitioner on the Coventry BS panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Coventry BS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Coventry BS mortgage from the register. Coventry BS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Coventry BS has sent the Land Registry the discharge electronically, and
- Coventry BS has instructed the Land Registry to do so
What can a local search reveal regarding the house I am purchasing in Westgate on Sea?
Westgate on Sea conveyancing often commences with the submitting local authority searches directly from your local Authority or through a personal search company such as Xpress Legal The local search plays a central part in most Westgate on Sea conveyancing purchase; that is if you wish to avoid any unpleasant once you have moved into your property. The search will provide information on, amongst other things, details on planning applications relevant to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen topic sections.
How does conveyancing in Westgate on Sea differ for new build properties?
Most buyers of new build property in Westgate on Sea come to us having been asked by the developer to exchange contracts and commit to the purchase even before the property is finished. This is because new home sellers in Westgate on Sea usually acquire 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 conveyancers 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 used to new build conveyancing in Westgate on Sea or who has acted in the same development.
My plan is to purchase a garden maisonette in Westgate on Sea. Conveyancing solicitor is waiting for, from the owner, building insurance paperwork. I was told today I was informed that the vendor must send the insurance documents for the flat above as well. Why does my property lawyer want to see the insurance for the other flat? Is it strictly required? We have been in hold for the last fortnight…
It is not unheard of in leasehold conveyancing in Westgate on Sea to discover Conveyancing in Westgate on Sea in a minority of cases reveals that the lease obliges the tenant's to insure their individual flats rather than the landlord insuring the whole property - which is clearly better. You should clarify with your conveyancer but it would appear that your conveyancing practitioner is seeking to verify that the complete building is insured. Insuring a ground floor residence is no help when it comes to rebuilding after a fire if the other flat cannot be rebuilt for lack of insurance cover.