My wife and I are intent on buying a ground floor flat in Halifax. My Conveyancer is not on the mortgage company solicitor list. Is it possible for me to retain my Halifax conveyancing solicitor even though they are excluded from the lender panel?
You have a number of choices available to you here
- Proceed with your existing Halifax conveyancing practitioner but your lender will need to appoint a conveyancing practitioner on their approved list. The net result is additional cost together with potential frustration.
- Appoint a new solicitor to conduct the conveyancing, ensuring that they are on the mortgage company conveyancing panel.
- Convince your lawyer to pull out all the stops to get listed on the mortgage company conveyancing panel
In what way does my ID and proof of funds have anything to do with my conveyancing in Halifax? Is this really warranted?
Anti-terror and anti-money-laundering laws require solicitors and licensed conveyancers to check the ID of the person or body they are dealing with prior to agreeing to accepting their conveyancing instruction. The Terms of Engagement that you are required to sign should stipulate this. Your lender will also require certain documents to be viewed. Should you refuse to hand over ID verification documents, your lawyer will not be able to take you on as a client.
We just had an offer accepted to buy with Loughborough BS. I dropped in a couple of local practices but am struggling to find a Halifax conveyancing firm on the Loughborough BS panel. Can you help?
Feel free to make the most of the find a conveyancing panel solicitor tool on this page. Pick the lender and type Halifax or your location and you will be presented with a number of lawyer located in Halifax or nearest you.
How does conveyancing in Halifax differ for new build properties?
Most buyers of new build residence in Halifax contact us having been asked by the developer to exchange contracts and commit to the purchase even before the property is completed. This is because developers in Halifax typically buy the site, 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 accustomed to new build conveyancing in Halifax or who has acted in the same development.
I need to instruct a conveyancing solicitor for some conveyancing in Halifax. I happened to land on a web site which appears to be the ideal answer If it is possible to get all formalities done via web that would be ideal. Should I be wary? What are the potential pitfalls?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?
My mum and dad are unable to locate their Halifax land registry title on the site. They recall that 48 years ago when they bought the house there were complications with the address not being identified on some systems.
Nearly all premises in Halifax should appear. Have you endevoured to search to just the postcode. Ordinarily it should disclose all the houses and flats within the postcode. Where recorded it will show up with a title number. Where they bought 50 years ago it's conceivable it may be not yet registered. The address could still be revealed but with the title number identified as 'na'. In this scenario you will need to locate the original title deeds which might be with your parent’s mortgage company.