My financial adviser requires my Halifax solicitor’s panel reference for the Nationwide conveyancing panel. Can you suggest how I discover this. I have called my local Halifax office but they have not responded to me.
Have you tried speaking to your Halifax solicitor about this?. They keep a central record lender panel numbers.
When it comes to lenders such as Virgin Money, do Halifax solicitors face an annual charge to be on the conveyancing panel?
We are not aware of any bank fees to be on their list of approved firms, although some do levy an administration charge to deal with the processing of the conveyancing panel submission.
I am currently in the process of buying my council flat in Halifax. I have a mortgage agreed with TSB. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with TSB, you will need to appoint a solicitor on the TSB conveyancing panel.
The mortgage over my property is with Yorkshire BS for my property in Halifax. Conveyancing was finalised some time ago. Should I wish to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Yorkshire BS?
Your original mortgage agreement with Yorkshire BS will provide that you need their approval in advance of letting out your property as this is likely to be a breach of Yorkshire BS’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Yorkshire BS directly. It should not be necessary to do this via a Yorkshire BS conveyancing panel lawyer.
I require quick conveyancing in Halifax as I am faced with pressure to exchange contracts in less than 3 weeks. Luckily I do not need a mortgage. Can I decline from having conveyancing searches to save fees and time?
If.Given you are are a mortgage free purchaser you have the choice not to have searches conducted although no conveyancer would advise that you don't. With lots of history conveyancing in Halifax the following are examples of issues that can arise and adversely affect the marketability of the property: Enforcement Actions, Outstanding Charges, Overdue Grants, Unadopted Roads,...
I am buying a new build apartment in Halifax. 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 legal work.
Here is a sample of a few leasehold new build questions that you may expect your new-build leasehold conveyancing in Halifax
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Please provide evidence that the form of Lease proposed has been approved by the Land Registry. Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. There must be mutual enforceability of lessee’s covenants. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore.
I have been on the look out for a flat up to £195,000 and found one near me in Halifax I like with open areas and railway links nearby, the downside is that it's only got 52 years on the lease. There is not much else in Halifax in this price bracket, so just wondered if I would be making a mistake buying a lease with such few years left?
Should you require a home loan the shortness of the lease will likely be a potential deal breaker. Reduce the price by the amount the lease extension will cost if it has not already been discounted. If the current owner has owned the property for a minimum of twenty four months you can ask them to commence the lease extension formalities and then assign it to you. You can add 90 years to the current lease term with a zero ground rent applied. You should speak to your conveyancing lawyer regarding this.
I am a sole trader looking to take over a lease of an office on the high street. Can you recommend conveyancers offering no-move-no costs for commercial conveyancing in Halifax for under 2k?
We can recommend firms who have well rounded knowledge of commercial conveyancing in Halifax, including the sale and purchase of businesses as well as simply property. Whether you are intending to acquire or lease a shop, pub, restaurant, office, retail unit or a complete business we will put you in touch with the right firm. Regarding the charges these will vary based on the structure and complexity of the deal. Please provide us with your details or email so as to enable us to provide you with a fixed commercial conveyancing quote.