Me and my wife are buying residence in Harrogate. My Solicitor has never been on on the lender approved list. Can I still retain my Harrogate conveyancing solicitor even though they are excluded from the mortgage company list of approved lawyers?
You must instruct a conveyancer to deal with the formalities if you take out a loan to purchase your property. They will carry out all the relevant legal checks on the property, ensuring that you will be registered as proprietor and ensure that all the required mortgage paperwork is in place. One can instruct a Harrogate conveyancing practitioner of your choosing. However, if the conveyancer selected is not a member of the mortgage company approved list further costs will be incurred as separate legal representation will be required by them. Conveyancing panel applications may be submitted, so provided your conveyancer has not in the past applied for membership they should take the opportunity to apply.
It is 10 years ago since I bought my property in Harrogate. Conveyancing lawyers have now been appointed on the sale but I can't track down the deeds. Will this jeopardise the sale?
Don’t worry too much. Firstly there is a possibility that the deeds will be kept by the mortgage company or they may be in the possession of the conveyancers who oversaw your purchase. Secondly in all probability the property will be registered at the land registry and you will be able to prove you own the property by your conveyancing solicitors procuring up to date copy of the land registers. Almost all conveyancing in Harrogate relates to registered property but in the rare situation where your home is unregistered it is more of a problem but is not insurmountable.
I'm purchasing my first flat in Harrogate with a loan from Virgin Money. The sellers refused to reduce the amount so I negotiated £7000 of fixtures and fittings instead. The property agent told me not reveal to my conveyancer about the deal as it could impact my loan with Virgin Money. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the builder 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.
I decided to have a survey done on a house in Harrogate ahead of retaining solicitors. I have been informed that there is a flying freehold aspect to the property. Our surveyor advised that some mortgage companies tend refuse to grant a loan on such a property.
It varies from the lender to lender. Santander has different instructions for example to Halifax. Should you wish to call us we can investigate further with the relevant lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Harrogate. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Harrogate to see if the conveyancing will be more expensive.
In scouring the web for the words cheap conveyancing in Harrogate it reveals many property lawyerslocally. How do I determine which is the suitable property lawyer for purchase transaction?
The ideal way of choosing a suitable conveyancer is via trusted referral, so ask colleagues and those you trust who have purchased a property in Harrogate or the local estate agent or financial adviser. Fees for conveyancing in Harrogate differ, so it's advisable to obtain a minimum of four fee estimates from varying types of law firms. Make sure that you clarify what costs in the quote includes.
What are my options where I am not happy with the conveyancing practitioner who conducted my conveyancing in Harrogate?
We live in an imperfect world, and is is a fact of life that occasionally things do go wrong. However there is recourse where you were dissatisfied with your conveyancing in Harrogate. This varies from trying to resolve matters directly with them, through to reporting a conveyancing practitioner to their governing body. If things still aren’t sorted out you may consider enlisting the help of the Legal Ombudsman.