My husband and I are at the point of looking at flats in Winscombe and I am now considering a potential offer. Is it too early to have a solicitor in place? I intend to finance via a home loan with Clydesdale.
It would be wise to start your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their contact information on to the estate agent. Given that you are getting a mortgage with Clydesdale, ask your prospective lawyers if they are on the Clydesdale conveyancing panel otherwise they can't do the mortgage legal work.
Completion of my purchase has taken place for my property in Winscombe. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
Most banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are sorted out effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
My offer on a house in Winscombe has been agreed to, the vendors do nevertheless have a connected purchase. The owners have offered on somewhere, however it’s not yet agreed to, and are looking at other properties in the pipeline. I have instructed a nearby conveyancing solicitor in Winscombe. What should be my next step? When should I get the mortgage application with Coventry BS going?
It is usual to have apprehensions where there is a chain as you are unlikely to want to incur expenses prematurely (home loan application is approx one thousand pounds, then valuation, Winscombe conveyancing search fees, etc). First, you must check that your property lawyer is on the Coventry BS conveyancing panel. Concerning the subsequent stages this very much dictated by the circumstances of your case, motivation for the property and on the state of the market. During a hot market many buyers would apply for a home loan with Coventry BS and pay for the valuation and only if it was satisfactory would they request their lawyer to move forward with the conveyancing in Winscombe.
The deeds to my home are lost. The conveyancers who handled the conveyancing in Winscombe 5 years ago no longer exist. What are my next steps?
In today’s world there are copies made of almost everything, and your lawyer will be aware precisely where to look for all the relevant documentation so you may buy or dispose of your property without any difficulty. If duplicates are not available, your solicitor can arrange cover in the form of insurance or indemnities against future claims on your premises.
Over the last few months I have been searching for a flat up to £235,500 and identified one close by in Winscombe I like with amenity areas and transport links in the vicinity, the downside is that it's only got 51 remaining years left on the lease. I can't really find anything else in Winscombe for this price, so just wondered if I would be making a mistake purchasing a lease with such few years left?
Should you need a mortgage the shortness of the lease may be an issue. Discount the price by the anticipated lease extension will cost if not already taken into account. If the current owner has owned the property for at least 2 years you can request that they start the process of the extension and then assign it to you. An additional ninety years can be extended on to the current lease and have £0 ground rent by law. You should consult your conveyancing lawyer concerning this matter.
I'm remortgaging my primary house to a buy to let mortgage with Halifax and I will use the rest of the raised equity as a down payment on further house. The location we are interested in is Winscombe. Will your conveyancers be able to act for both sets of lenders and link together the transactions?
Do use our comparison tool on this page to be sure that the lawyers are on the relevant lender panels. Assuming that they are the solicitor should be able to tie up the two conveyancing matters but you should have a chat with you solicitor and communicate your expectations and needs.
I need to find a conveyancing solicitor for my conveyancing in Winscombe. I have discover a web site which appears to be the perfect solution If there is a chance to get all formalities completed via web that would be ideal. Do I need to be concerned? What should out be looking out for?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?