Can I use your services to find a Conveyancing solicitor in Westhoughton even where I’m not purchasing or selling a house, for example if I want to acquire a shop in Westhoughton with a mortgage from Santander?
The service is mainly used to locate domestic conveyancing solicitors in Westhoughton but we have set out towards the bottom of this page a selection of Westhoughton commercial conveyancing firms. You will need to speak with the solicitors directly to establish if they can also act for Santander
Does a directory service exist listing RBS panel solicitors in Westhoughton on the UK Finance Lenders’ Handbook Website?
Unfortunately not yet. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few banks make their panel listings available over the internet. If you are seeking to appoint a Westhoughton solicitor on the RBS please use our facility.
My fiancee and I are in the throws of viewing houses in Westhoughton and I am about to put in an offer. Is it too early to have a solicitor in place? I will be getting a mortgage with Skipton.
You should start obtaining conveyancing estimates from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their details on to the estate agent. As you are taking out a mortgage with Skipton, ask your prospective lawyers if they are on the Skipton conveyancing panel otherwise they can't do the mortgage legal work.
Planning on purchasing a apartment in Westhoughton. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the RBS conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Westhoughton conveyancer is on the RBS conveyancing panel.
The deeds to our property are lost. The conveyancers who conducted the conveyancing in Westhoughton 4 years ago have long since closed. Will I be able to sell the house?
You no longer need to have the physical original deeds to establish that you are the owner of your registered land or premises, as the Land Registry have everything they need in a digital format.
I'm buying my first flat in Westhoughton with a mortgage from Halifax. The developers refused to budge the amount so I negotiated £7000 of fixtures and fittings instead. The house builders rep advised me not reveal to my solicitor about this extras as it may jeopardize my loan with the bank. Do I keep my lawyer in the dark?.
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.
Do I need to be suspicious about third parties that I am dealing with are suggesting an online conveyancing firm rather than a local Westhoughton conveyancing company?
As with lots of professional services, often recommendations from connections can be very helpful. But there are numerous parties with a keen interest in a conveyancing matter; estate agents, financial adviser and mortgage companies might all suggest conveyancers to instruct. On occasion these solicitors might be known to one of the organisations as being good in their field, but sometimes there might be a financial incentive behind the recommendation. You have the right to appoint your own conveyancer. You need to be aware that the majority of mortgage providers specify a panel list of lawyers you must use for the lender aspect of your conveyancing.
We're first time buyers - agreed a price, but the estate agent has warned us that the seller will only move forward if we instruct the agent's recommended lawyers as they need an ‘expedited deal’. My instinct tells me that we should use a high street solicitor who is familiar with conveyancing in Westhoughton
It is highly unlikely the sellers are behind this. Should the vendor desire ‘a quick sale', turning down a genuine purchaser is is going to put the whole deal at risk. Try to communicate with the vendors directly and make the point that (a)you are keen to buy (b)you are excited to move forward, with finances in place © you are chain free (d) you intend to proceed fast (e)but you intend to use your preferred Westhoughton conveyancing solicitors - as opposed tothe ones that will give the estate agent a referral fee or hit his conveyancing thresholds demanded by HQ.