My lawyer in Chorley is not on the Clydesdale Approved Panel. Can I still use my family solicitor notwithstanding that they are not on the Clydesdale panel?
The limited options open to you here include:
- Carry on with your preferred Chorley solicitors but Clydesdale will need to instruct a conveyancer on their list of acceptable firms. This will result in additional total legal fees as well as cause frustration.
- Get an alternative solicitor to act in the purchase, obviously checking they are Clydesdale approved.
- Try to convince your Clydesdale solicitor to attempt to join the Clydesdale panel
Forgive me if this question is silly but I am unexperienced as FTB of a two bedroom flat in Chorley. Do I collect the keys to the premises on completion from my solicitor? If this is the case, I will instruct a local conveyancing solicitor in Chorley?
On the day of completion you do not need to go to the conveyancers office in Chorley. Your solicitors will transfer the completion advance to the vendor’s solicitors, and shortly after the monies have arrived, you will be invited to pick up the keys from the property Agents and start moving into the property. Usually this occurs early afternoon.
My uncle pointed out to me me that in purchasing a property in Chorley there could be a number of restrictions affecting the ability to carry out external changes to a property. Is this right?
There are a number of properties in Chorley which have some sort of restriction or requirement of consent to execute external variations. Part of the conveyancing in Chorley should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
When it comes to mortgage companies such as Clydesdale, do Chorley solicitors have to pay an annual charge to be on the list of approved solicitors?
We are unaware of any bank fees to be on their list of approved firms, although some do levy an administration fee to deal with the processing of the conveyancing panel submission.
Despite weeks of looking the Title Certificate and documents to my home can not be found. The solicitors who dealt with the conveyancing in Chorley 4 years ago no longer exist. What are my options?
Assuming you have a registered title the information relating to your proprietorship will be retained by the Land Registry with a Title Number. It is possible to conduct a search at the Land Registry, locate your property and secure up to date copies of the property title for less than a fiver. If the property is Leasehold then the Land Registry will usually retain a certified copy of the Registered Lease and again, a copy can be ordered for £20 inclusive of VAT.
The estate agent has sent us the confirmation of our purchase of a new build apartment in Chorley. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.
Here are examples of a selection of leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Chorley
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The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? There must be mutual enforceability of lessee’s covenants. Please supply evidence that the form of Lease proposed has been approved by the Land Registry.
I'm converting the mortgage on my existing property to a BTL loan with Halifax and intend to use the remaining equity towards another house. The area we are interested in is Chorley. Will your lawyers be able to act for the two banks and tie in the conveyances?
Do use our search tool on this page to be sure that the lawyers are on the appropriate lender panels. On the basis that they are your solicitor should be able to tie up the two transactions but you should have a chat with you lawyer and make clear your expectations and requirements.
I happen to be an executor of my recently deceased mother’s Will, with a bungalow in Chorley which will be sold. The bungalow has never been registered at the Land Registry and I'm advised that some EAs will insist that it is in place before they'll move forward. What's the mechanism for this?
In the situation you refer to it seems sensible to apply to register in the names of the personal representative(s) as named in the probate and in their capacity as PRs. HMLR’s online guidance explains how to register for the first time and what is required re the deeds and forms. You would need to include and official copy of the probate as well and complete the form FR1 to refer to the PRs as the applicant.