We note that you have a post code search directory identifying law firms on the Co-operative conveyancing panel. Do companies pay you a commission if I appoint them for our own conveyancing in Middleton?
We are a listing service only for law firms wishing to communicate if they are on the Co-operative conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Middleton.
I had intended to instruct a property lawyer in Middleton for our house purchase. Our broker has since notified us that our mortgage company Leeds Building Society won't deal with them. Surely this is unduly restrictive?
Mortgage Companies tend to restrict either the type or the number of conveyancing solicitors on their panel. A common example of such restriction(s) being that a firm must have two or more partners. As well as restricting the type of firm, a few banks have limited the amount of solicitor practices they permit to represent them. Be aware that Leeds Building Society have no responsibility for the quality of advice provided by any member of Leeds Building Society Conveyancer Panel. Mortgage fraud was a primary driver in the reduction of conveyancing panels a few years ago even though there remains differing views regarding the level of solicitor involvement in some of that fraud. Statistics from the Land Registry reveal that hundreds of law firms, including some in or near Middleton only execute very few conveyances a year.
We have agreed to purchase a house in Middleton. An unusual aspect is that the roof has a solar panel. Aldermore have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As you are obtaining a mortgage with Aldermore your lawyer must follow the formal instructions outlined in Part two of UK Finance Lenders’ Handbook for Aldermore. The CML Handbook includes minimum provisions for solar panel roof-space leases, and solicitors are required to report to Aldermore where a lease fails to meet these specifications. The provisions relate to the installation of panels on properties countrywide and is not isolated to Middleton.
The formalities of my remortgage has taken place for my property in Middleton. Conveyancing was satisfactory but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?
Most lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Department at head office. Ordinarily complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
I have finally had an offer on a maisonette in Middleton accepted, but there is a chain. The sellers have placed an offer on somewhere, but it’s not yet agreed to, and are looking at other properties in the pipeline. I have selected a high street conveyancing solicitor in Middleton. What do I do now? At what stage do I apply for the mortgage with Kent Reliance?
It is usual to have anxieties where there is a chain as you are unlikely to want to be too out of pocket prematurely (home loan application is approx one thousand pounds, then survey, Middleton conveyancing search charges, etc). The first thing to do is ensure that your lawyer is on the Kent Reliance approved list. As to the subsequent stages this very much dictated by the specifics of your case, attraction to this property and on the state of the market. During a rising market the majority of purchasers will apply for the mortgage with Kent Reliance and pay for the valuation and only if it comes back ok would they pay their property lawyer to move forward with searches.
I own a terraced Georgian house in Middleton. Conveyancing lawyer represented me and Barclays . I did a free Land Registry search last week and there are a couple of entries: one for freehold, another for leasehold under the exact same property. I thought I was buying a freehold how can I check?
You need to assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Middleton and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also check the situation with your conveyancing lawyer who conducted the work.
In searching the web for the phrase on line conveyancing in Middleton it reveals numerous property lawyersin the area. With so much choice what is the best way to find the right solicitor for my move?
The best method of seeking the right conveyancer is through a trusted testimonial, so enquire of colleagues and family who have acquired a property in Middleton or the respected estate agent or mortgage broker. Charges for conveyancing in Middleton vary, so it's advisable to secure a minimum of four fee estimates from different property lawyers. Be sure to secure confirmation that the fees are fixed.
What can I do to discover who is the owner of a property in Middleton?
Provided the premises is recorded at the Land Registry, and you have enough details of the location of the premises, you should be able to obtain results from the HM Land Registry of the recorded proprietor for a a minimal charge.