My wife and I are purchasing residence in Selsdon. My property lawyer is not on the bank conveyancing list. Is it possible for me to continue with my Selsdon conveyancing solicitor even though they are excluded from the bank panel?
You will need to have a solicitor to deal with the formalities if you need a loan to purchase your property. The conveyancer will conduct all the appropriate legal checks on the property, ensuring that you will be properly registered as the owner and ensure that all the required mortgage paperwork is in place. One may appoint a Selsdon conveyancer of your choosing. Nevertheless, where the lawyer appointed is not a member of the mortgage company approved list further fees will be levied as separate legal representation will be need by the mortgage company. Conveyancing panel applications can be submitted, so provided your conveyancer has not in the past sought membership they should take the opportunity to apply.
It is a dozen years since I bought my property in Selsdon. Conveyancing lawyers have recently been appointed on the sale but I can't locate the title deeds. Will this cause complications?
Don’t worry too much. Firstly the deeds may be with the mortgage company or they may be in the possession of the solicitor who acted in your purchase. Secondly the likelihood is that the land will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing lawyers obtaining current official copies of the land registers. Most conveyancing in Selsdon relates to registered property but in the unlikely event that your home is unregistered it adds to the complexity but is resolvable.
Forgive me if this question is silly but I am unexperienced as a 1st time buyer of a two bedroom flat in Selsdon. Do I collect the keys to the house on the completion date from my conveyancer? If so, I will instruct a local conveyancing solicitor in Selsdon?
There is no need to visit the lawyers office on the day of completion. Your solicitors will transfer the completion advance to the owner’s conveyancers, and once they have received this, you should be invited to pick up the keys from the property Agents and move into your new home. Usually this occurs between 1 and 3pm.
We expect to receive a OIP from Santander this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Santander recommend any Selsdon solicitors on the Santander conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Selsdon solicitors independently although you'll need to choose one on the Santander conveyancing panel. The solicitor represents both you and Santander through the process.
I've read lots of house buying guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Selsdon solicitor - who is on the Bank of Ireland conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Bank of Ireland will need an independent valuation of the property. Your lawyer will not arrange this. Usually Bank of Ireland will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your conveyancing practitioner will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Selsdon postcode. As you are getting a mortgage with Bank of Ireland, you could contact them to see if they have a list of approved surveyors in Selsdon.
We are planning on selling our house in Selsdon and according to the buyers it appears that there is a possibility that the property was built on contaminated land. Any high street Selsdon lawyer would know that there is no such problem. It does beg the question why the purchasers are using a nationwide conveyancing practice rather than a conveyancing solicitor in Selsdon. Having lived in Selsdon for three years we know that this is a non issue. Is it a good idea to get in touch with our local Authority to obtain clarification that the buyers are looking for.
It would appear that you have a conveyancing firm currently acting for you. Are they able to advise? You should enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same ailment)
What does commercial conveyancing in Selsdon cover?
Selsdon conveyancing for business premises covers a broad array of guidance, supplied by regulated solicitors, relating to business premises. For instance, this type of conveyancing can cover the sale or purchase of freehold business premises or, more usually, the assignment of existing business tenancies or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial mortgages and the termination of leases.
How much experience do your Selsdon conveyancing solicitors have with Help To Buy, Shared Equity and similar schemes?
Selsdon conveyancing lawyers help thousands of buyers move home every year and assisted plenty of clients through the Help To Buy scheme. The chances are that whatever makes your case unique Selsdon conveyancers have worked on recent similar matters.