My fiance and I are intent on purchasing residence in Elland. My lawyer is not on the bank solicitor panel. Is it possible for me to continue with my Elland conveyancing solicitor even though they are excluded from the bank list of approved lawyers?
You have a number of choices open to you here
- Complete the purchase with your preferred Elland conveyancer but your lender will undoubtedly instruct a property lawyer from their conveyancing panel. This will result in additional charges together with probable delay.
- Get a new property lawyer to conduct the conveyancing, obviously checking they are on the lender conveyancing panel.
- Convince your conveyancer to do everything possible to get accepted on the lender’s panel of solicitors
Would the conveyancing solicitors indexed on your site carry out right to buy conveyancing in Elland?
We have identified a number of conveyancing conveyancers carrying out right to buy conveyancing Do get in touch with us with a view to secure a costs illustration.
I have been referred to a conveyancing solicitor in Elland. I I would like to check whether they are on the Barnsley Building Society conveyancing panel. Could you assist?
The first thing to do is phone the lawyer and enquire if they can act for the bank. Alternatively you can get in touch with Barnsley Building Society who may be able to confirm.
We have agreed to purchase a house in Elland. A rare aspect is that the roof has a solar panel. Bank of Ireland have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that you are obtaining a mortgage with Bank of Ireland your lawyer must comply with the formal instructions set out in Part two of UK Finance Lenders’ Handbook for Bank of Ireland. The CML Handbook stipulates minimum specifications for solar panel roof-space leases, and solicitors are required to report to Bank of Ireland where a lease fails to comply with these requirements. The requirements relate to the installation of panels on properties in England and Wales and is not limited to Elland.
We expect to receive a DIP from Principality this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Principality recommend any Elland solicitors on the Principality conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Elland solicitors independently although you'll need to choose one on the Principality conveyancing panel. The solicitor represents both you and Principality through the process.
After what seems like an age I have had an offer on a flat in Elland agreed to, but there is a chain. The sellers have put an offer on on an apartment, however it’s not yet tied up, and are looking at other apartments in the pipeline. I have instructed a bricks and mortar conveyancing solicitor in Elland. What should be my next step? At what point do I apply for the mortgage with Clydesdale?
It is understandable to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (home loan application is in the region of one thousand pounds, then survey, Elland conveyancing search fees, etc). First, you should ensure that your conveyancer is on the Clydesdale conveyancing panel. As to the subsequent stages this very much depends on the specifics of your transaction, motivation for this property and on the state of the market. In a hot market the majority of home buyers will apply for a home loan with Clydesdale and arrange for the valuation and only if it was satisfactory would they ask their conveyancing practitioner to press on with searches.
We are downsizing from our property in Elland and according to the buyers it appears that there is a possibility that the property was built on contaminated land. Any high street Elland lawyer would know this is not the case. It does beg the question why the purchasers used an online conveyancing outfit as opposed to a conveyancing solicitor in Elland. We have lived in Elland for 5 years we know of no issue. Do we get in touch with our local Authority to seek confirmation need.
It sounds as though you may have a conveyancing firm already. What do they say? You should check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same illness)
I decided to have a survey completed on a house in Elland prior to instructing solicitors. I have been advised that there is a flying freehold element to the house. My surveyor has said that some banks tend refuse to issue a loan on this type of premises.
It depends who your proposed lender is. Bank of Scotland has different instructions for example to Birmingham Midshires. Should you wish to telephone us we can investigate further via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Elland. Conveyancing will be smoother if you use a solicitor in Elland especially if they regularly deal with such properties in Elland.