We see that you have a post code search directory listing firms on the Virgin Money conveyancing panel. Do firms pay you a referral fee if I retain them for our conveyancing in The Hale?
We are a listing service only for law firms wishing to communicate if they are on the Virgin Money conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in The Hale.
I am planning to acquire a flat and need a conveyancing solicitor in The Hale who is on the Skipton Building Society conveyancing. Can you recommend a local conveyancing firm?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Skipton Building Society in certain locations such as The Hale. We dont recommend any particular firm.
I have today made my last payment due on my mortgage with Nationwide. I assume I don't need a The Hale solicitor on the Nationwide panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Nationwide mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Nationwide mortgage from the register. Nationwide, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Nationwide has sent the Land Registry the discharge electronically, and
- Nationwide has instructed the Land Registry to do so
I am currently in the process of buying my council flat in The Hale. I have a mortgage agreed with Barclays. 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 Barclays, you will need to appoint a solicitor on the Barclays conveyancing panel.
My sealed bid on a semi in The Hale has been agreed to, but there is a chain. The sellers have offered on a property, but it’s not yet tied up, and are looking at other properties booked. I have chosen a high street conveyancing solicitor in The Hale. What should be my next step? At what point should I apply for the mortgage with Virgin Money?
It is understandable to have anxieties where there is a chain as you are unlikely to want to be too out of pocket too early (home loan application is in the region of one thousand pounds, then survey, The Hale conveyancing search charges, etc). First, you must check that your property lawyer is on the Virgin Money approved list. Regarding the next steps this very much depends on the uniqueness of your transaction, motivation for this property and on the state of the market. In a buoyant market many buyers will apply for a home loan with Virgin Money and pay for the valuation and only if it comes back ok would they pay their lawyer to proceed with the conveyancing in The Hale.
It has been five months since my purchase conveyancing in The Hale concluded. I have checked the Land Registry site which shows that I paid £200,000 when infact I paid £180,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I'm buying a new build house in The Hale benefiting from help to buy. The sellers would not move on the amount so I negotiated 6k of fixtures and fittings instead. The house builders rep advised me not disclose to my solicitor about the deal as it will affect my mortgage with Platform Home Loans Ltd. Is this normal?.
All lenders require a Disclosure of Incentives Form from the developer 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 guidance of my in-laws I had a survey completed on a property in The Hale before instructing lawyers. I have been advised that there is a flying freehold overhang to the property. Our surveyor advised that some mortgage companies may refuse to issue a loan on such a home.
It depends who your proposed lender is. Santander has different instructions from Halifax. If you e-mail us we can look into this further via the relevant bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in The Hale. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in The Hale to see if the conveyancing will be more expensive.