I am considering applying for a Skipton mortgage for purchase of a new build (under development) in Northumberland Heath with 65 per cent LTV. Is it compulsory to choose a solicitor on the conveyancing panel for Skipton ?
There is nothing to stop you using your solicitor, but Skipton will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.
A friend informed me that in purchasing a property in Northumberland Heath there may be a number of restrictions preventing external changes to a property. Is this right?
There are a number of properties in Northumberland Heath which have some sort of restriction or requirement of consent to carry out external changes. Part of the conveyancing in Northumberland Heath should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
We were going to get a OIP from Santander this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Santander recommend any Northumberland Heath solicitors on the Santander conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Northumberland Heath 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'm at the point of looking at apartments in Northumberland Heath and I am about to put in an offer. Is it sensible to have my lawyer on ‘stand by’? I intend to finance via a mortgage with Nottingham.
You should start obtaining conveyancing estimates from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their details on to the selling agent. Given that you are seeking a mortgage with Nottingham, make sure you remember to check that your lawyer is on the Nottingham conveyancing panel.
I decided to have a survey completed on a house in Northumberland Heath in advance of instructing solicitors. I have been told that there is a flying freehold aspect to the property. My surveyor advised that some banks may refuse to give a mortgage on such a home.
It depends who your proposed lender is. Santander has different instructions for example to Halifax. If you e-mail us we can investigate further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Northumberland Heath. Conveyancing may be slightly more expensive based on your lender's requirements.
I'm refinancing my primary property to a BTL loan with Birmingham Midshires and I will use the rest of the raised equity as a down payment on a second house. The location we are looking at is Northumberland Heath. Will your solicitors be able to act for the two banks and link together the conveyances?
Do use our comparison tool on this page to be sure that the conveyancers are on the appropriate lender panels. On the basis that they are your conveyancer will be able to simultaneously deal with the two conveyancing matters but you should talk with you lawyer and make apparent your expectations and needs.
I am hoping to put an offer on a small detached house that seems to meet my requirements, at a reasonable figure which is making it all the more appealing. I have just discovered that the title is leasehold rather than freehold. I would have thought that there are particular concerns buying a house with a leasehold title in Northumberland Heath. Conveyancing lawyers have are soon to be instructed. Will my lawyers set out the implications of buying a leasehold house in Northumberland Heath ?
The majority of houses in Northumberland Heath are freehold rather than leasehold. This is one of the situations where having a local solicitor used to dealing with such properties who can help the conveyancing process. It is clear that you are purchasing in Northumberland Heath so you should seriously consider shopping around for a Northumberland Heath conveyancing practitioner and be sure that they have experience in dealing with leasehold houses. As a matter of priority you will need to check the number of years remaining. Being a leaseholder you will not be entirely free to do whatever you want to the property. The lease comes with conditions for example requiring the freeholder’sconsent to conduct alterations. It may be necessary to pay a maintenance charge towards the maintenance of the estate where the house is located on an estate. Your lawyer should advise you fully on all the issues.
I have tried to negotiate informally with with my landlord for a lease extension without success. Can the Leasehold Valuation Tribunal adjudicate on such issues? Can you recommend a Northumberland Heath conveyancing firm to act on my behalf?
in cases where there is a absentee freeholder or where there is dispute about what the lease extension should cost, under the relevant legislation it is possible to make an application to the First-tier Tribunal (Property Chamber) to make a decision on the price.
An example of a Lease Extension matter before the tribunal for a Northumberland Heath residence is Various @ Colombus Square in January 2012. the Tribunal calculated the premiums to be paid for new leases for each of the flats in Mariners Walk to be £3822 and the premium to be paid for the new lease of 2 Knights Court to be £4439. This case affected 13 flats. The remaining number of years on the lease was 76 years.
My brother-in-law has suggested I instruct a conveyancing solicitor in Northumberland Heath. I I would like to check if they are listed on the lender's approved list of lawyers. Can you or the lender confirm if they are on the panel?
One option is to phone your lawyer and ask them if they are on the lender's approved list. If that does not help get in touch with us and we can investigate and revert. If they are not on the bank panel we we can help find a quality conveyancing solicitor in Northumberland Heath on the panel for your lender.