We are purchasing a property and need a conveyancing solicitor in Wirral who is on the Barclays conveyancing panel. Could you point me in the right direction as regards a solicitor?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Barclays . We don't recommend any particular firms conducting conveyancing in Wirral.
I am aiming to move house in December. Should my conveyancing solicitor update the removal company on the completion day. As an aside, can you suggest a removal company in Wirral. Conveyancing firm was chosen prior to coming across this page.
On the day of completion you can pick up the keys from your selling agent however this can only take place after the previous owners solicitors confirm to the agent that they have the completion monies and the keys can be handed over. After that you can inform the removal company that they can start moving you in. We are not in a position to recommend a specific removal organisation but can help you locate a residential property solicitor in Wirral or a solicitor with expertise in conveyancing in Wirral.
We expect to receive a AIP from Clydesdale this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Clydesdale recommend any Wirral solicitors on the Clydesdale conveyancing panel, or is it better to go independently?
You will need to appoint Wirral solicitors independently although you'll need to choose one on the Clydesdale conveyancing panel. The solicitor represents both you and Clydesdale through the process.
It is not clear whether my lender obliges me to make sure the lease term for the flat is extended prior to the completion date. I have telephoned my Wirral bank branch on a couple of occasions and was told they are content with the situation and they will lend. My Wirral conveyancing solicitor - who is on the mortgage company conveyancing panel- called to say that they would not lend based on their published requirements. Who do I believe?
Provided that the conveyancing practitioner is on the bank approved list, they must adhere to the Council of Mortgage Lenders’ 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 lender to contact your lawyer in writing confirming that they will accept the number of years remaining.
Me and my brother have a renovated Georgian house in Wirral. Conveyancing practitioner acted for me and Yorkshire Building Society. I did a free Land Registry search last week and I saw two entries: one for freehold, another for leasehold with the matching property. If a house is not a freehold shouldn't I have been informed?
You need to review the Freehold register you have again and check the Charges Register for 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 Wirral and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with lenders. You can also check the position with the conveyancing lawyer who carried out the work.
I am purchasing a new build house in Wirral with the aid of help to buy. The developers would not reduce the amount so I negotiated £7000 of fixtures and fittings instead. The sale representative told me not inform my lawyer about this side-deal as it may jeopardize my mortgage with the lender. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the builder 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.
I opted to have a survey carried out on a house in Wirral in advance of instructing lawyers. I have been told that there is a flying freehold element to the property. The surveyor advised that some mortgage companies may not issue a mortgage on a flying freehold premises.
It depends who your proposed lender is. Santander has different instructions for example to Birmingham Midshires. If you call us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Wirral. Conveyancing may be slightly more expensive based on your lender's requirements.
I need to appoint a conveyancing solicitor for leasehold conveyancing in Wirral. I've chance upon a site which looks to be the perfect solution If there is a chance to get all this stuff completed via email that would be ideal. Should I be wary? What should out be looking out for?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?