Can your site be used to locate a Conveyancing solicitor in Clapham and Salph End even if I’m not purchasing or disposing of a house, for instance where I wish to buy a shop in Clapham and Salph End with a loan from Bank of Ireland?
Our search tool is primarily used to select residential conveyancing solicitors in Clapham and Salph End but we have set out at the end of this page some Clapham and Salph End commercial conveyancing firms. You will need to enquire with the solicitors directly to establish if they can also act for Bank of Ireland
My wife and I are in the process of looking at apartments in Clapham and Salph End and I am about to put in an offer. Should I already have a solicitor appointed at this stage? I intend to finance via a mortgage with Santander.
It would be wise to start your search sooner rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and forward their details on to the estate agent. Given that you are seeking a mortgage with Santander, make sure you remember to check that your lawyer is on the Santander conveyancing panel.
Completion of my remortgage has taken place for my property in Clapham and Salph End. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
Most banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Department at head office. Ordinarily complaints to a lender are resolved effectively and efficiently. If you feel 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.
RBS have agreed my home loan in principle, my offer on a property in Clapham and Salph End has been accepted, what happens next?
The estate agent will need to be advised as to your conveyancer's details (ensure that the solicitors are on the lender’s approved list). Contact RBS or the broker and complete any relevant paperwork. RBS will appoint a valuer who will get in touch with the selling agent or seller to book a slot for the valuation to take place. Once carried out (assuming no problems) it takes about a week for the mortgage offer to be issued. RBS will send the offer to you and your lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Clapham and Salph End.
It has been 4 months since my purchase conveyancing in Clapham and Salph End took place. I have checked the Land Registry website which shows that I paid £200,000 when infact I paid £170,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the property from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I am buying a new build house in Clapham and Salph End with a loan from Alliance & Leicester . The builders would not move on the amount so I negotiated £7000 of additionals instead. The estate agent advised me not to tell my lawyer about this extras as it may jeopardize my loan with the lender. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I have been recommended by a few property agents in Clapham and Salph End to locate a property lawyer using your seach tool. Is there a financial inducement for Estate Agents to offer your lawyers ahead of a competitor’s?
We don’t give any financial incentive for sending work in our direction. We thought it would be too underhand to pay a commission because home movers will think, ‘How come the agent getting a kickback? Why aren’t I receiving any benefit too?’ So we decided to step away from that.