It has taken forever and a day but a mortgage offer from HSBC for the refinancing of my 3 room apartment is due any day now. Can you recommend a low cost conveyancing solicitor in Gatley?
This site is not designed to assist those in pursuit of a cheap conveyancing in Gatley. We can offer you cost effective conveyancing but our intention is not to advertise as being the cheapest. Avoid the trap of appointing brokers teasing you with ninety nine pound conveyancing in Gatley. In your best case scenario, in deciding on cheap conveyancing, you will earn what you pay for and at worst it will result in you being stung for additional fees and still not receive the service expected.
My lawyer in Gatley is not listed on the Nationwide Building Society Solicitor Panel. Is it possible for me to use my family solicitor notwithstanding that they are not on the Nationwide Building Society list of approved lawyers?
The limited options open to you here include:
- Complete the purchase with your existing Gatley lawyers but Nationwide Building Society will need to use a conveyancer on their list of acceptable firms. This will inevitably rack up the overall conveyancing charges as well as result in delays.
- Choose a new practitioner to act in the conveyancing, obviously checking they are Convince your conveyancer to use their best endeavours to join the Nationwide Building Society conveyancing panel
I am buying a property in Gatley. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Virgin Money be concerned?
Given that you are obtaining a mortgage with Virgin Money your lawyer must follow the conveyancing requirements outlined in Part 2 of UK Finance Lenders’ Handbook for Virgin Money. The Council of Mortgage Lenders’ Handbook includes minimum specifications for solar panel roof-space leases, and solicitors are required to report to Virgin Money where a lease does not satisfy these provisions. The provisions relate to the installation of panels on properties in England and Wales and is not isolated to Gatley.
The formalities of my purchase has taken place for my property in Gatley. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?
All banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Team at head office. Ordinarily complaints to a lender are sorted out very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
I can not fathom if my bank requires a lease extension. I have telephoned my Gatley building society branch on various occasions and was told they are content with the situation and they would lend. My Gatley conveyancing solicitor - who is on the lender conveyancing panel- called and was told they refuse to lend based on their specific requirements. I simply don't know who is right.
As long as the conveyancer is on the lender approved list, she or he must adhere to the Council of Mortgage Lenders’ Handbook specifications for the lender. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
Due to the advice of my in-laws I had a survey completed on a house in Gatley prior to instructing conveyancers. I have been informed that there is a flying freehold aspect to the house. Our surveyor advised that some lenders may not give a loan on such a house.
It depends who your proposed lender is. HSBC has different requirements for example to Halifax. Should you wish to call us we can investigate further with the appropriate bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Gatley. Conveyancing will be smoother if you use a solicitor in Gatley especially if they are familiar with such properties in Gatley.
How does the Landlord & Tenant Act 1954 affect my commercial property in Gatley and how can your lawyers assist?
The 1954 Act provides security of tenure to commercial tenants, giving them the right to make a request to court for a new lease and continue in occupation when the lease comes to an end. There are certain specified grounds where a landlord can refuse a lease renewal and the rules are complicated. Fees are different for commercial conveyancing. Gatley is one of the many areas of the UK in which the firms we work with are based
My partner has suggested that I instruct his lawyers for conveyancing in Gatley. Should I use them?
No doubt the ideal way to choose a conveyancing solicitor is to have feedback from friends or family who have experience in using the solicitor that you are considering.