I have paid off my mortgage with Coventry BS. I assume I don't need a Whitley Bay conveyancer on the Coventry BS panel to remove the mortgage at the Land Registry. Please confirm.
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
I am currently in the process of buying my council flat in Whitley Bay. I have a mortgage offer with RBS. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with RBS, you will need to appoint a solicitor on the RBS conveyancing panel.
Co-operative have agreed my mortgage in principle, my bid on a property in Whitley Bay has been agreed to, what happens next?
The estate agent will wish to know who your solicitors are (be sure the lawyers are on the bank’s approved list). Contact Co-operative or the financial adviser and finish off any relevant forms. Co-operative will sellect a valuer who will get in touch with the estate agent or seller to schedule an appointment. Once carried out (assuming no problems) it takes approximately a week to get a mortgage offer. Co-operative will send the offer to you and your conveyancers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Whitley Bay.
I understand that there are debates on Chancel Insurance on online forums. Do I need this when purchasing a house in Whitley Bay? or I am told that there is a law dating back centuries that could mean that homeowners residing in a parish church boundary may be liable to pay for maintenance to the chancel in proximity to the church. Is this appropriate for conveyancing in Whitley Bay?
Unless a prior purchase of the property took place after 12 October 2013 you could take it that conveyancing practitioners delivering conveyancing in Whitley Bay to continue to suggest a chancel search and or insurance against a claim.
How does conveyancing in Whitley Bay differ for newly converted properties?
Most buyers of new build premises in Whitley Bay come to us having been asked by the developer to exchange contracts and commit to the purchase even before the property is ready to move into. This is because developers in Whitley Bay tend to buy the land, 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 Whitley Bay or who has acted in the same development.
I am 17 days into a residential purchase having been recommend to a firm by the high street agent to carry out the conveyancing in Whitley Bay. I am am very dissatisfied with the quality of service. Could you help me find new lawyers?
A conveyancer would have to be very poor to suggest diss instructing them. Has your mortgage offer been sent? If so you need to make them aware of the new solicitor and ensure the mortgage documents are re-issued. Your new solicitor ideally should be on the banks approved list to avoid added fees and delays. That should be your first question of the new lawyers. The find a solicitor tool will help you find a bank approved lawyer for your conveyancing in Whitley Bay
I'm going to be buying an apartment very soon in Whitley Bay. I am in need of a Whitley Bay conveyancing solicitor. My family lawyer is based in Scotland and unable to assist.Can you refer me to a trustworthy Whitley Bay lawyer that would assist us as well as represent Nottingham?
LenderPanel.com is limited to being a directory service for solicitors who want to be listed as being on the approved conveyancing panel for Nottingham in certain areas such as Whitley Bay . Our intention is not to recommend any particular property lawyer.