My conveyancer has identified a defect with the lease for the flat we are purchasing in Skipton. The seller’s lawyers have suggested title insurance as a workaround. We are content with insurance and will pay for it. Our solicitor has advised that he must check that the lender is happy with this solution. Who is the client here, us or the mortgage company ?
The short answer to your last question is that, notwithstanding the risk of a conflict of interest, you and the bank are the client. Your conveyancing practitioner must comply with the UK Finance Lenders’ Handbook provisions. The UK Finance Lenders’ Handbook conditions require your lawyer to disclose issues such as defects with the lease so that the lender can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
I am aiming to move home in January. Will my conveyancing solicitor call the removal company on the day of completion. On a separate note, can you put forward a removal company in Skipton. Conveyancing solicitor was chosen before I stumbled across your website.
On the afternoon of completion you can pick up the house keys from the property agent however this should only occur when the vendors lawyers confirm to the agent that they have the completion monies and the keys can be released. You should inform the removal company that they can start moving you in. We do not recommend a particular removal company but can assist you in choosing a conveyancing in Skipton or a legal practice with expertise in conveyancing in Skipton.
We were going to get a OIP from Yorkshire BS this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Yorkshire BS recommend any Skipton solicitors on the Yorkshire BS conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Skipton solicitors independently although you'll need to choose one on the Yorkshire BS conveyancing panel. The solicitor represents both you and Yorkshire BS through the process.
I recently had an offer accepted on a house in Skipton. My financial adviser recommended their conveyancers. I paid an upfront payment of £175. Not long after, the conveyancer called me embarrassingly acknowledging that they were not on the Santander conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Santander panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I have been told that property searches are the main reason for stalling in Skipton conveyancing transactions. Is that correct?
The Council of Property Search Organisations (CoPSO) has noted the determinations of a review by MoveWithUs that conveyancing searches do not figure within the most frequent causes of hindrances in the conveyancing process. Local searches are unlikely to be the root cause of holding up conveyancing in Skipton.
My wife and I have a 4 bedroom Georgian house in Skipton. Conveyancing lawyer acted for me and Yorkshire Building Society. I did a free Land Registry search last week and I saw a couple of entries: the first freehold, the second leasehold under the matching address. Is it worth asking Yorkshire Building Society to clarify?
You need to assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Skipton 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 question the position with the conveyancing practitioner who conducted the work.
About to purchase a new build apartment in Skipton. Conveyancing is a frightening process 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 conveyancing.
Here are examples of a few leasehold new build questions that you should expect your new-build leasehold conveyancing in Skipton
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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. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. Please confirm the Lease plans are surveyor prepared.
It may have been a long time coming a loan agreement from a lender for the remortgage of my 2 bedroom garden flat is expected imminently. Can you suggest an efficient remortgage conveyancing lawyer in Skipton ?
You are on the wrong site if you are in need of the lowest fares for conveyancing solicitors in Skipton. Our intention is to offer excellent value conveyancing but our intention is not to work with the cheapest lawyers. Do not be fooled by brokers offering low cost conveyancing in Skipton.In your best case scenario, in going for cheap conveyancing, you will get what you pay for and at worst you will end up invoiced for extras and still not receive the service you were looking for.