We are buying a 2 bedroom flat in Waddington with a mortgage. We like our Waddington conveyancer, however the lender says he's not on their "panel". We have to appoint one of the bank panel solicitors or retain our Waddington conveyancer as well as pay for one of their panel lawyers to act for them. This seems very unfair; can we not demand that the lender use our Waddington solicitor ?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the bank’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your Waddington conveyancing solicitor to apply to be on the conveyancing panel.
Please could you recommend a Barclays Direct accepted Waddington conveyancing firm that can complete within a short deadline? Am I best advised to go for a local Waddington practice or a factory type firm?
We would be happy to suggest some excellent Waddington conveyancing firms. You can also walk up the main road in Waddington. Visit a couple of firms and ask to speak with a conveyancing solicitor for a quote. Mention your time frames together with the reasons and get an assurance on your deadline. Choose the lawyer that you trust.
Can I use your services to locate a Conveyancing solicitor in Waddington even if I’m not buying or selling a house, for example where I want to acquire an office in Waddington with a loan from Nottingham Building Society?
Our search tool is primarily used to find residential conveyancing solicitors in Waddington but we have recorded towards the end of this page a selection of Waddington commercial conveyancing firms. You will need to enquire with the firm directly to establish if they can also act for Nottingham Building Society
I purchased a 4 bedroom Georgian house in Waddington. Conveyancing practitioner represented me and Nottingham Building Society. I did a free Land Registry search last week and there are two entries: one for freehold, the second leasehold under the exact same address. I'd like to know for sure, how can I find out??
You need to review 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 Waddington 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 mortgage companies. You can also check the situation with your conveyancing practitioner who conducted the purchase.
I need to instruct a conveyancing solicitor in Waddington for my house move. Is it possible to review a solicitor's complaints history with the legal regulator?
Anyone can search for published Solicitor Regulator Association (SRA) decisions stemming from investigations commenced on or after 1 January 2008. Go to Check a solicitor's record. To find information about the period before 1 January 2008, or to check a solicitors record, phone 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For callers outside the UK, call +44 (0)121 329 6800. The regulator could recorded call for training reasons.
Last February I purchased a leasehold house in Waddington. Am I liable to pay service charges relating to a period prior to my ownership?
Where the service charge has already been demanded from the previous owner and they have not paid you would not usually be personally liable for the arrears. Strange as it may seem, your landlord may still be able to take action to forfeit the lease. It is an essential part of leasehold conveyancing for your conveyancer to be sure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.
If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).
Waddington Leasehold Conveyancing - Examples of Questions you should consider Prior to Purchasing
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How is the lease structured? Most Waddington leasehold apartments will be liable to pay a service charge for the upkeep of the building levied on behalf of the landlord. Where you acquire the apartment you will have to pay this contribution, usually in instalments accross the year. This can be anything from several hundred pounds to thousands of pounds for bigger purpose-built buildings. There will also be a rentcharge for you to pay annual, ordinarily this is not a exorbitant sum, say about £25-£75 but you need to check as sometimes it could be prohibitively expensive.