Is the fact that my conveyancer in Whitehaven is not on my mortgage company's conveyancing panel that there is a problem with the quality of her conveyancing?
That is more than likely a wrong assumption to make. There are plenty of reasonable explanations. Just recently a report by the solicitors regulator indicated 76% of law firms surveyed had been removed from at least one lender panel. The top 5 reasons are as follows: (1) lack of transactions (2) the lawyer is a sole practitioner (3) as part of the HSBC panel reduction (4) regulatory contact by SRA (5) accidental removal. Should you be concerned you should contact the Whitehaven conveyancing firm and ask them why they are no longer on the approved list for your bank.
I am helping my mother sell her property in Whitehaven. Will the solicitor arrange the energy performance certificate or it is for the seller to coordinate?
After the demise of Home Packs, energy assessments was kept a required element of selling a property. An EPC must be to hand before the property is put on the market. This is not as aspect of the sale process that solicitors ordinarily arrange. If you are using a Whitehaven conveyancing lawyer they may be able to arrange energy performance certificates given their relationships with long established Whitehaven assessors
We have a mortgage agreed in principle with HSBC. Whitehaven conveyancing lawyers were selected. What is the average time that one could expect to receive a mortgage offer from HSBC?
Some lenders take longer than others. Have HSBC done the valuation? Have you informed HSBC as to your lawyers' details and checked that your lawyers are on the HSBC conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
Our sealed bid on a property in Whitehaven has been agreed to, but there is a chain. The sellers have put an offer on a flat, however it’s not yet tied up, and have viewings of other flats in the pipeline. I have chosen a high street conveyancing solicitor in Whitehaven. What should be my next step? When do I get the mortgage application with TSB going?
It is normal to have anxieties where there is a chain as you are unlikely to want to incur costs prematurely (home loan application is approx one thousand pounds, then valuation, Whitehaven conveyancing search costs, etc). First, you must ensure that your solicitor is on the TSB conveyancing panel. Regarding the subsequent phase this very much dictated by the circumstances of your case, motivation for this property and on the state of the market. During a hot market many buyers will apply for the mortgage with TSB and arrange for the valuation and only if it comes back ok would they request their solicitor to press on with the conveyancing in Whitehaven.
Due to the encouragement of my in-laws I had a survey completed on a property in Whitehaven in advance of appointing lawyers. I have been told that there is a flying freehold element to the house. Our surveyor has said that some lenders will not grant a loan on such a premises.
It varies from the lender to lender. Lloyds has different instructions from Birmingham Midshires. Should you wish to call us we can check with the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Whitehaven. Conveyancing will be smoother if you use a solicitor in Whitehaven especially if they are acquainted with such properties in Whitehaven.
I am downsizing from my home. My former conveyancers closed down. It would be helpful to have a recommendation of a conveyancing firm. Im based in Whitehaven if that makes things easier.
Do use our search tool to help you find a solicitor for your conveyancing in Whitehaven. We have connected thousands of home buyers and sellers with regulated solicitors to ensure that the legalities of their house move runs smoothly.
What can I do where I am unhappy with the property lawyer who undertook our conveyancing in Whitehaven?
We live in an imperfect world, and unfortunately occasionally matters do not go as planned. Nevertheless there is recourse where you were unhappy with your conveyancing in Whitehaven. This varies from trying to resolve matters directly with them, through to reporting a property lawyer to their regulator. If things still aren’t sorted out you may consider enlisting the help of the Legal Ombudsman.