Me and my fiance are purchasing a ground floor flat in Witney. My lawyer has never been on on the mortgage company conveyancing list. Is it possible for me to retain my Witney conveyancing solicitor notwithstanding that they are not on the lender panel?
You must appoint a lawyer to deal with the legal work required when you need a loan to buy your home. The conveyancer will carry out all the essential investigations on the property, ensuring that you will be registered as proprietor and ensure that all the required mortgage documentation is dealt with. You may select a Witney lawyer of your choice. However, where the solicitor appointed is not a member of the mortgage company solicitor panel further charges will arise as separate legal representation will be required by them. Lender panel applications can be submitted, so if your lawyer has not previously applied for membership they should take the chance to apply.
It is a dozen years since I acquired my home in Witney. Conveyancing solicitors have now been retained on the sale but I am unable to locate the title deeds. Will this jeopardise the sale?
You need not be too concerned. Firstly there is a chance that the deeds will be retained by the lender or they may be in the possession of the solicitor 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 up to date copy of the land registers. Almost all conveyancing in Witney involves registered property but in the unlikely event that your property is not registered it adds to the complexity but is not insurmountable.
The estate agent has sent us the confirmation of our purchase of a new build apartment in Witney. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.
Set out below is a sample of a selection of leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Witney
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There must be mutual enforceability of lessee’s covenants. The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? Please confirm the Lease plans are surveyor prepared.
My husband and I are FTB’s - agreed a price, yet the estate agent has warned us that the seller will only issue a contract if we use the agent's chosen conveyancers as they need a ‘quick sale’. Our preferred option is to instruct a high street conveyancer with experience of conveyancing in Witney
We suspect that the seller is not behind this ultimatum. If they want ‘a quick sale', alienating a serious buyer is going to damage their objectives. Speak to the vendors direct and make sure they comprehend that (a)you are genuine buyers (b)you are excited to move forward, with mortgage lined up © you are chain free (d) you intend to proceed fast (e)but you are going to appoint your own,trusted Witney conveyancing solicitors - as opposed tothe ones that will earn the estate agent a commission or hit his conveyancing targets demanded by head office.
I note that you have a search directory identifying solicitors on the lender conveyancing panel. Do Witney conveyancing firms pay you a referral fee if I retain them for my conveyancing?
We are a listing service only for law firms wishing to communicate if they are on the bank conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint for your conveyancing in Witney.