At long last a loan agreement from Nationwide for the refinancing of my single room flat is to be issued by the end of next week. Are you able to put forward a cheap conveyancing lawyer in Treharris?
You have come to the wrong site to search for cut-price fees for conveyancing in Treharris. We can offer you cost effective conveyancing but we do not advertise as being the cheapest. Do not be fooled by organisations teasing you with £100 conveyancing in Treharris. At best, in going for low cost conveyancing, you will get your money’s worth and at worst it will result in you spending a lot in additional fees and still not receive the service you were looking for.
My brother-in-law has suggested I instruct a conveyancing solicitor in Treharris. I I would like to check if they are accepted on the Halifax conveyancing panel. Could you help?
The first thing you should do is e-mail the solicitor and enquire if they can act for the lender. Otherwise please get in touch with Halifax who may be able to assist.
I'm the sole beneficiary of my late father’s will and I have everything in my name alone, including the my former home in Treharris. Conveyancing formalities meant that the Land Registry date was in March. I want to move. I understand that there is a Mortgage Lenders six month 'rule', which means that my property ownership could be considered the same way as though I had purchased the property in March. Do I have to wait half a year to sell?
The Council of Mortgage Lenders’ handbook instructs solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you might be impacted by that. Some mortgage companies would take a practical view as this clause is principally there to identify the purchase and immediately sell or the quick reselling of properties.
We expect to receive a AIP from Yorkshire BS this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Yorkshire BS recommend any Treharris solicitors on the Yorkshire BS conveyancing panel, or is it better to go independently?
You will need to appoint Treharris solicitors independently although you'll need to choose one on the Yorkshire BS conveyancing panel. The solicitor represents both you and Yorkshire BS through the process.
It is not clear whether my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called into my local Treharris bank branch on a couple of occasions and was reassured it wasn't a problem and they will lend. My Treharris conveyancing solicitor - who is on the bank conveyancing panel- telephoned to say that they refuse to lend in accordance with their published requirements. I simply don't know who is right.
As long as the property lawyer is on the mortgage company approved list, she or he must comply with the CML Handbook conditions for the lender. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
I used Wolstenholmes several years ago for my conveyancing in Treharris. Now, I need my files but the law firm has closed. What do I do?
You should contact the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Treharris of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
How does conveyancing in Treharris differ for newly converted properties?
Most buyers of new build or newly converted property in Treharris come to us having been asked by the builder to exchange contracts and commit to the purchase even before the premises is constructed. This is because developers in Treharris typically purchase 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 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 Treharris or who has acted in the same development.
Due to the advice of my in-laws I had a survey completed on a property in Treharris in advance of instructing lawyers. I have been advised that there is a flying freehold aspect to the property. Our surveyor has said that some lenders tend not issue a mortgage on a flying freehold home.
It depends who your proposed lender is. Bank of Scotland has different instructions from Nationwide. Should you wish to telephone us we can check via the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Treharris. Conveyancing will be smoother if you use a solicitor in Treharris especially if they regularly deal with such properties in Treharris.