My financial adviser has requested my Bacup solicitor’s panel reference for the Nationwide conveyancing panel. Can you suggest how I obtain this. I have e-mailed my local Bacup office but they have not got back to me yet.
Have you tried calling your Bacup property lawyer about this?. Most Bacup conveyancing practices will retain a file or database of lender panel information which would include, if applicable, their conveyancing panel details for each mortgage company.
Can I use your services to find a Conveyancing solicitor in Bacup even if I’m not buying or disposing of a house, for example if I want to acquire a shop in Bacup with a mortgage from Aldermore?
Our search tool is mainly used to locate domestic conveyancing solicitors in Bacup but we have recorded towards the end of this page a few Bacup commercial conveyancing firms. You will need to enquire with the solicitors directly to establish if they are also authorised to represent Aldermore
A colleague suggested that if I am purchasing in Bacup I should ask my conveyancer to perform a Neighbourhood, Planning and Local Amenity Search. What does it cover?
A search of this type is occasionally quoted for as part of the standard Bacup conveyancing searches. It is a large document of more than thirty pages, listing and setting out important information about Bacup around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Bacup Education with plans and statistics, Local Amenities and other useful information regarding Bacup.
I have a 4 bedroom Georgian property in Bacup. Conveyancing practitioner acted for me and Virgin Money. I did a free Land Registry search last week and there are a couple of entries: the first freehold, the second leasehold with the exact same address. Is it worth asking Virgin Money to clarify?
You should assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Bacup and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the position with your conveyancing solicitor who conducted the conveyancing.
Due to the guidance of my in-laws I had a survey completed on a house in Bacup before instructing conveyancers. I have been advised that there is a flying freehold aspect to the house. Our surveyor advised that some mortgage companies will refuse to grant a mortgage on such a house.
It depends who your proposed lender is. Santander has different instructions from Birmingham Midshires. Should you wish to telephone us we can investigate further via the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Bacup. Conveyancing will be smoother if you use a solicitor in Bacup especially if they are acquainted with such properties in Bacup.
My partner and I expecting to complete buying a property in Bacup but as a result of damage from the recent storms I have negotiated recompense from the owner of five thousand pounds taking the form of a adjustment in the price. This was going to be dealt with as part of the conveyancing process yet the lender will not agree to this. Should they have been informed?
Your conveyancer that is on the lender approved list is duty bound to advise the mortgage company of any variations to the sale figure. If you were to refuse your conveyancing practitioner to disclose the price change to your lender then they would have to disinstructing themselves from representing you and the mortgage company.