I am obtaining a mortgage offer from Halifax. I intend to instruct a Licensed Conveyancer in Disley. Does the Halifax Solicitor panel exclude Licensed Conveyancers?
The Halifax conveyancing panel is, like many other lenders, associated to the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the CLC.
I am considering applying for a Clydesdale mortgage for purchase of a newly converted (under development) in Disley with 65 per cent LTV. Is it compulsory to choose a solicitor on the conveyancing panel for Clydesdale ?
In theory, you could use a solicitor that is not on the Clydesdale conveyancing panel, but Clydesdale would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same transaction.
I need some quick conveyancing in Disley as I have pressure to complete within one month. Thankfully I do not need a mortgage. Can I escape the need for conveyancing searches to save fees and time?
If.Given you are are a mortgage free purchaser you have the choice not to have searches carried out although no conveyancer would suggest that you don't. Drawing on years of experience of conveyancing in Disley the following are examples of what can crop up and adversely affect future saleability: Refused Planning Applications, Outstanding Charges, Outstanding Grants, Road Schemes,...
I used Wolstenholmes several years past for my conveyancing in Disley. Now, I need my documents however the law firm has closed. What do I do?
Do contact the Solicitors Regulatory Authority (SRA) to assist in tracking down 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 Disley of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I'm buying my first flat in Disley with a mortgage from Bank of Scotland. The builders would not move on the amount so I negotiated £7000 of fixtures and fittings instead. The estate agent told me not to tell my conveyancer about the side-deal as it will affect my loan with Bank of Scotland. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Due to the encouragement of my in-laws I had a survey completed on a house in Disley prior to retaining solicitors. I have been informed that there is a flying freehold element to the house. The surveyor advised that some mortgage companies will refuse to give a loan on a flying freehold premises.
It varies from the lender to lender. Santander has different instructions from Halifax. Should you wish to telephone us we can look into this further via the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Disley. Conveyancing may be slightly more expensive based on your lender's requirements.