We are buying a flat and require a conveyancing solicitor in Birchington who is on the Clydesdale solicitor panel. Could you point me in the right direction as regards a solicitor?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Clydesdale . We don't recommend any particular firms conducting conveyancing in Birchington.
I have been told by my conveyancer that lack of right of way insurance is needed on my purchase. What is the level of cover for Birchington conveyancing?
The right level of lack of right of way indemnity insurance depends on who your lender is. It would differ for example between Yorkshire Building Society and Chelsea Building Society. Conveyancing solicitors as opposed to borrowers take out such policies.
We previously instructed conveyancers locally in Birchington on the HSBC solicitor panel. They are now charging me a further amount for the legal aspects of the HSBC mortgage. Is this an additional conveyancing fee specified by HSBC?
Unfortunately, as long as it is in their Terms and Conditions or estimate then yes your property lawyer can charge a fee for this. The fee is not dictated by HSBC but by your Birchington conveyancing practitioner. Some firms on the HSBC panel will quote an ‘acting for lender’ fee and others do not.
I have paid off my mortgage with Aldermore. I assume I don't need a Birchington conveyancer on the Aldermore panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Aldermore 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 Aldermore mortgage from the register. Aldermore, 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 Aldermore has sent the Land Registry the discharge electronically, and
- Aldermore has instructed the Land Registry to do so
What will a local search reveal regarding the house my wife and I purchasing in Birchington?
Birchington conveyancing often commences with the applying for local authority searches directly from your local Authority or via a personal search organisations such as Xpress Legal The local search plays a central part in most Birchington conveyancing purchase; that is if you don’t want any nasty surprises after you move into your new home. The search should supply data on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 subject areas.
How does conveyancing in Birchington differ for new build properties?
Most buyers of new build or newly converted property in Birchington contact us having been asked by the builder to sign contracts and commit to the purchase even before the house is constructed. This is because builders in Birchington 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 conveyancing solicitors 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 accustomed to new build conveyancing in Birchington or who has acted in the same development.
I have been searching for Birchington conveyancing quotes online. Can I be assured that all the Birchington firms that are listed on your website are on the lender conveyancing panel?
The solicitor and licensed conveyancing practices listed on our site have advised us that they are on the bank panel and agreed to advise us to take down their listing in the event of removal off of the lender panel. To date we have not been informed by either a mortgage company or a member of the public that the data about a specific Birchington conveyancing solicitor being on the bank conveyancing panel is incorrect.