We are expecting a mortgage offer soon. The bank mentioned the mortgage came with free conveyancing. Does this mean I have to use their panel solicitor as I would prefer to instruct a Earlestown based conveyancing firm?
Do check but the the likelihood is that allocate you one of their panel solicitors should you accept the "fee-free" offer. Contact the lender and ask if they allow a cash alternative. Some lenders have previously offered a £250 cashback as an alternative in which case that money can go towards your preferred conveyancing solicitor near Earlestown.
We are planning to move home in March. Will my conveyancing solicitor call the removal company on the completion day. On a separate note, can you recommend a removal company in Earlestown. Conveyancing firm was chosen prior to coming across this website.
On the day of completion you will need to collect the keys from the property agent but this should only be done once the sellers conveyancers advise the agent that they have the completion monies and the keys can be collected. After that you will need to advise the removal men that you are ready to move in. As a matter of policy we do not recommend a particular removal organisation but can assist you in locating a conveyancing in Earlestown or a legal practice that specialises in conveyancing in Earlestown.
Can you point me to a directory of Santander panel solicitors in Earlestown on the UK Finance Lenders’ Handbook Website?
No. There is no such tool on the CML or Building Society Association websites. Very few lenders make their panel listings open the public on the web. If you are looking for a Earlestown conveyancing practitioner on the Santander please use our facility.
I have paid off my mortgage with Virgin Money. I assume I don't need a Earlestown lawyer on the Virgin Money panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Virgin Money 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 Virgin Money mortgage from the register. Virgin Money, 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 Virgin Money has sent the Land Registry the discharge electronically, and
- Virgin Money has instructed the Land Registry to do so
I require fast conveyancing in Earlestown as I have pressure to complete within 3 weeks. A mortgage is not required. Is it possible to escape the need for conveyancing searches to save fees and time?
As you are are a cash purchaser you have the choice not to do searches although no conveyancer would recommend that you don't. With plenty of history conveyancing in Earlestown the following are instances of what can crop up and adversely affect the marketability of the property: Refused Planning Applications, Overdue Charges, Outstanding Grants, Railway Schemes,...
The deeds to my home can not be found. The conveyancers who did the conveyancing in Earlestown 4 years ago are no longer around. What do I do?
Nowadays there are duplicates made of almost everything, and your lawyer will be aware exactly where to locate all the appropriate documentation so you can buy or dispose of your house without a hitch. Where copies are not available, your solicitor can put in place insurance or indemnities against future claims on the premises.
I opted to have a survey carried out on a property in Earlestown ahead of retaining conveyancers. I have been advised that there is a flying freehold element to the property. Our surveyor advised that some lenders will refuse to grant a mortgage on such a home.
It depends who your proposed lender is. Santander has different instructions for example to Nationwide. If you call us we can investigate further via the relevant bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Earlestown. Conveyancing may be slightly more expensive based on your lender's requirements.