We are hoping to purchase a 1 bedroom apartment in Clitheroe with a mortgage. We would like to retain our Clitheroe solicitor, but the mortgage company says she’s not on their "panel". It appears that we have no option but to instruct one of the lender panel solicitors or continue with our Clitheroe conveyancing practitioner and pay for one of their panel lawyers to act for them. We feel that this is unjust; are we not able to insist that the lender use our Clitheroe 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. A further alternative is for your Clitheroe conveyancing lawyer to apply to be on the conveyancing panel.
Do the conveyancing lawyers that you recommend carry out right to buy conveyancing in Clitheroe?
We do have a variety of conveyancing firms carrying out right to buy conveyancing matters Please call the conveyancers listed in order to secure a costs illustration.
I am selling my house in Clitheroe. Does my conveyancer have to be on the Virgin Money conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Virgin Money conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their specifications fairly frequently in recent years.
My friend recommended that where I am buying in Clitheroe I should ask my conveyancer to execute a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is sometimes quoted for as part of the standard Clitheroe conveyancing searches. It is a large document of more than thirty pages, listing and detailing important information about Clitheroe around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Clitheroe Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Local Education with maps and statistics, Local Amenities and other useful information concerning Clitheroe.
I'm converting the mortgage on my primary home to a BTL mortgage with Leeds Building Society and I will use the rest of the raised equity towards another house. The location we are talking about is Clitheroe. Will your conveyancers be able to act for both sets of lenders and link together the transactions?
Do use our comparison tool on this page to ensure that the solicitors are on the relevant lender panels. Assuming that they are the lawyer should be able to simultaneously deal with the two conveyancing matters but you should have a chat with you lawyer and make apparent your desired outcome and needs.
I need to find a conveyancing solicitor for freehold conveyancing in Clitheroe. I happened to land on a web site which looks to be the perfect answer If there is a chance to get all the legals done via web that would be preferable. Should I be wary? What should out be looking out for?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?