I am thinking of mortgaging my apartment in Hulme, does my lawyer have to be on the Yorkshire BS Solicitor panel?
There is nothing to stop you using your solicitor, but Yorkshire BS will insist on their interests being represented by a firm on their conveyancing panel. There is greater potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.
We are purchasing a house and the solicitor has identified Chancel Repair to which the property could be obligated to pay because it falls into the area of such a church. He has suggested insurance. Is this really warranted for conveyancing in Hulme
Unless a previous acquisition of the premises took place post 12 October 2013 you can assume that solicitors carrying out conveyancing in Hulme to continue to propose a a chancel search and or insurance against a claim.
I used Arc property Solicitors several years ago for my conveyancing in Hulme. I now require my file however the law firm is no longer operating. What do I do?
You should call the Solicitors Regulatory Authority (SRA) to help locate 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 Hulme 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 am purchasing a new build house in Hulme with a loan from Birmingham Midshires. The sellers would not reduce the price so I negotiated 6k of additionals instead. The property agent suggested that I not inform my solicitor about this side-deal as it may impact my loan with the bank. Is this normal?.
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.
Due to the advice of my in-laws I had a survey completed on a house in Hulme before retaining lawyers. I have been advised that there is a flying freehold aspect to the property. My surveyor advised that some mortgage companies may not give a loan on this type of home.
It depends who your proposed lender is. HSBC has different instructions for example to Nationwide. 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 assist as they are used to dealing with flying freeholds in Hulme. Conveyancing may be slightly more expensive based on your lender's requirements.
As co-executor for the estate of my aunt I am disposing of a residence in Newport but I am based in Hulme. My conveyancer (approximately 250 miles from meneeds me to execute a stat dec prior to completion. Could you suggest a conveyancing lawyer in Hulme to witness this legal document for me?
Technically speaking you are not likely to need to have the documents attested by a conveyancing solicitor. Ordinarily any notary public or qualified solicitor will be fine regardless of whether they are based in Hulme