My wife and I are purchasing a 3 bedroom flat in Chippenham with a mortgage. We like our Chippenham conveyancer, but the lender says she’s not on their "panel". It appears that we have little option but to select one of the lender panel solicitors or continue with our Chippenham lawyer and pay for one of their panel lawyers to act for them. This seems very unfair; can we not require that the lender use our Chippenham solicitor ?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the lender’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your Chippenham conveyancing lawyer to apply to be on the conveyancing panel.
My aunt passed away 10 months ago and as sole heir and executor I was left the property in Chippenham. The house had a relatively small loan left on it of around £5k. I want to have the title changed into my name whilst I re-mortgage to Skipton, pay off the mortgage. Is this allowed?
If you plan to re-mortgage then Skipton will insist on your using a conveyancer on the Skipton conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Skipton conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Skipton mortgage is registered as a charge at the Land Registry.
We are purchasing a terrace house in Chippenham. We would like to an extension at the rear at the house.Will legal work on the property involve enquiries to see if these alterations are permitted?
Your property lawyer should review the deeds as conveyancing in Chippenham can sometimes reveal restrictions in the title deeds which restrict categories of works or necessitated the permission of a 3rd party. Some works call for local authority planning consent and approval in compliance with building regulations. Some locations are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. It would be sensible to check these issues with a surveyor ahead of any purchase.
The mortgage over my property is with Clydesdale for my property in Chippenham. Conveyancing has been completed a year ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Clydesdale?
You must advise Clydesdale prior to letting out your property as this is likely to be a breach of Clydesdale’s mortgage conditions. It may be that Clydesdale will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Clydesdale directly. You need not do this via a Clydesdale conveyancing panel lawyer.
I have finally had an offer on an apartment in Chippenham accepted, the owners do nevertheless have an associated purchase. The vendors have offered on a property, but it’s not been accepted yet, and are looking at other apartments booked. I have selected a bricks and mortar conveyancing solicitor in Chippenham. What should be my next step? When do I get the mortgage application with Lloyds started?
It is usual to have anxieties where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is in the region of one thousand pounds, then survey, Chippenham conveyancing search fees, etc). The first course of action is to check that your conveyancer is on the Lloyds conveyancing panel. As to the next steps this very much dictated by the specifics of your transaction, desire for the property and on the state of the market. During a buoyant market many home buyers will apply for a home loan with Lloyds and arrange for the valuation and only if it was satisfactory would they pay their solicitor to press on with searches.
We are buying a property and the conveyancer has raised the issue of Chancel Repair for which the house could be obligated to contribute to because it falls into the area of such a church. He has recommended insurance. Is this strictly necessary for conveyancing in Chippenham
Unless a prior acquisition of the house took place post 12 October 2013 you could assume that conveyancing practitioners carrying out conveyancing in Chippenham to continue to suggest a chancel search and or chancel repair liability insurance.
I am looking to sell my property. My former solicitors closed down. I am in need of a recommendation of a conveyancing firm. Im based in Chippenham if that affects matters.
Please use our search tool to help you choose a solicitor for your conveyancing in Chippenham. We have connected thousands of home buyers and sellers with lender approved solicitors to ensure that the legalities of their house move runs with a minimum of fuss.
Your search tool is useful but there are many lawyers listed near Chippenham being on the lender conveyancing panel. It would be a lot more helpful if you could recommend a specific firm on the conveyancing panel for our lender?
We do not recommend specific Chippenham firms as the right Chippenham conveyancing firm for you depends on where your priorities lie. For example you may require a local firm with Chippenham knowledge or you might be looking for the low cost conveyancing. We recommend that you speak to 3 or 4 lawyers listed before you make your choice..