We wanted to use a conveyancing solicitor in Sedbergh for our house purchase. Our broker informed us that our mortgage company Alliance & Leicester won't deal with them. Why is this not regarded as unduly restrictive?
A lender may insist on an approved solicitor act for it. Borrowers are liable to bear the cost of this. Do use our search facility to get a quote from a solicitor to carry conveyancing in Sedbergh on the Alliance & Leicester member panel.
This question may be naive but I am new to the process as FTB of a garden flat in Sedbergh. Do I collect the keys to the house on completion from my lawyer? If so, I will find a local conveyancing solicitor in Sedbergh?
There is no need to visit the lawyers office on the day of completion. Your solicitors will transfer the purchase money to the owner’s solicitors, and once they have received this, you will be able to receive the keys from the Estate Agents and move into your new home. Usually this occurs between 1 and 3pm.
We are buying a end of terrace house in Sedbergh. The intention is to convert the garage to an office at the property.Will the conveyancing process involve enquiries to see if these alterations are prohibited?
Your conveyancer should review the registered title as conveyancing in Sedbergh can on occasion identify restrictions in the title deeds which prevent certain changes or require the permission of a 3rd party. Certain extensions require local authority planning permissions and approval in accordance building regulations. Many areas are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. It would be prudent to check these things with a surveyor ahead of any purchase.
We were going to get a DIP from Lloyds 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 Lloyds recommend any Sedbergh solicitors on the Lloyds conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Sedbergh solicitors independently although you'll need to choose one on the Lloyds conveyancing panel. The solicitor represents both you and Lloyds through the process.
4 months have elapsed following my purchase conveyancing in Sedbergh concluded. I have checked the Land Registry site which shows that I paid £150,000 when infact I paid £170,000. 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 asset 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.
Yesterday I discovered that there is a flying freehold element on a house I have offered on last month in what should have been a straight forward, no chain conveyancing. Sedbergh is the location of the property. Can you offer any assistance?
Flying freeholds in Sedbergh are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Sedbergh you would need to get your solicitor to go through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Sedbergh may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
My husband and I are first time buyers - had an offer accepted, but the agent advised that the owners will only proceed if we use the agent's preferred conveyancers as they need a ‘quick sale’. Our preferred option is to instruct a local solicitor used to conveyancing in Sedbergh
We suspect that the owner is not behind this request. If they desire ‘a quick sale', alienating a serious purchaser is not the way to achieve this. Bypass the agents and go straight to the owners and make the point that (a)you are keen to buy (b)you are ready to go, with mortgage lined up © you are chain free (d) you intend to proceed fast (e)however you intend to instruct your preferred Sedbergh conveyancing firm - not the ones that will provide the negotiator at the agency a commission or hit his conveyancing figures pre-set by senior management.
How do I find a Sedbergh conveyancing solicitor on the bank conveyancing panel? I have a car and am prepared to travel up to 20miles to attend the conveyancer.
You can use the find a conveyancing panel search on this page. Please choose the lender and your location, in this case Sedbergh and you will see a number of lawyer located nearest Sedbergh. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the mortgage company solicitor panel.