We note that you have a post code search directory listing law firms on the Clydesdale conveyancing panel. Do companies pay you a referral fee if I appoint them for our own conveyancing in Widnes?
We are a listing service only for law firms wishing to communicate if they are on the Clydesdale conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Widnes.
Are the BSA planning on creating a online directory to to identify solicitors on the Coventry BS conveyancing panel for example in Widnes?
We would not expect to be advised of any plans on the part of the BSA to develop such a tool.
We previously appointed solicitors based in Widnes on the HSBC solicitor approved list. They are now charging me a further charge for dealing with the HSBC mortgage. Is this an additional conveyancing fee specified by HSBC?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitor may charge a fee for this. The charge is not set by HSBC but by your Widnes solicitor. Some firms on the HSBC panel will levy ’dealing with mortgage’ fee but some firms include it on their overall fee.
Two weeks ago we had a mortgage agreed in principle with Skipton. Widnes conveyancing practitioners are instructed. How long does it take for Skipton to issue the offer to the conveyancer?
There is no definitive answer here. Have Skipton done the survey? Have you advised Skipton as to your lawyers' details and checked that your lawyers are on the Skipton conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
I can not work out if my lender requires a lease extension. I have called into my local Widnes building society branch on various occasions and was told it does not impact the mortgage offer and they would lend. My Widnes conveyancing solicitor - who is on the lender conveyancing panel- called to say that they refuse to lend based on their UK Finance Lenders’ Handbook minimum lease term requirements. Who do I believe?
Provided that the conveyancer is on the lender approved list, she or he must adhere to the CML Handbook conditions for the bank. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.
I'm remortgaging my current property to a buy to let loan with Santander and intend to use the remaining equity as a down payment on further property. The location we are looking at is Widnes. Will your conveyancers be able to act for both sets of banks and tie in the two deals?
Make use of our comparison tool on this site to ensure that the solicitors are on the appropriate lender panels. Having checked that they are the conveyancer will be able to tie up the two deals but you should talk with you solicitor and make clear your desired outcome and needs.
I have just appointed agents to market my basement flat in Widnes. Conveyancing has not commenced, however I have recently received a yearly service charge invoice – should I leave it to the buyer to sort out?
Your conveyancing lawyer is likely to suggest that you should clear the maintenance contribution as you normally would given that all ground rent and maintenance invoices should be allotted as part of the financial calculations for completion monies, so you should recover the relevant percentage by the buyer for the period running from after the completion date to the subsequent invoice date. Most management companies will not acknowledge the buyer until the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. Having a clear account will assist your cause and will leave you no worse off financially.
Widnes Conveyancing for Leasehold Flats - A selection of Queries before buying
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What is the name of the managing agents? If a Widnes lease has less than 80 years it will have adverse implications on the marketability of the property. Check with your lender that they are willing to go ahead with the loan given the lease term. Leases with less than 80 years remaining means that you will probably have to extend the lease sooner rather than later and it is worth finding out what this would cost. Remember, in most cases you would be required to have been the owner of the premises for two years in order to be legally able to exercise a lease extension. Is the freehold reversion owned collectively by the tenants?
I am purchasing a garden apartment in Widnes. Conveyancing solicitor is waiting for, from the seller, building insurance documents. I was told today I was advised that the owner needs to send the insurance schedule for the flat above also. Why does my lawyer need to check the insurance for the flat above? Is it really necessary? We have been waiting for the previous fortnight…
It is not impossible in leasehold conveyancing in Widnes to find Conveyancing in Widnes in a minority of cases reveals that the lease provides for the tenant's to insure their individual flats as opposed to the landlord insuring the complete building - which is definitely better. You should contact your solicitor but it would appear that your conveyancer is attempting to establish that the complete building is insured. Insuring a ground floor residence is no help when it comes to rebuilding after a fire if the 1st floor cannot be reconstructed as a result of lack of insurance.