My apartment in Alderley Edge is up for sale and I have a buyer. Does the lawyer need to be on the Nationwide conveyancing panel in order to deal with the discharge of my mortgage?
Ordinarily, even if your lawyer is not on the Nationwide conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their conditions fairly frequently in recent years.
Can you point me to a directory of Nationwide panel conveyancers in Alderley Edge on the UK Finance Lenders’ Handbook Website?
Unfortunately not yet. There is no such directory service on the Council of Mortgage Lenders or Building Society Association sites. Very few banks make their panel listings viewable over the internet. Where you are looking for a Alderley Edge conveyancing practitioner on the Nationwide please make the most of our facility.
Planning on purchasing a maisonette in Alderley Edge. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Yorkshire BS 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 Alderley Edge solicitor is on the Yorkshire BS conveyancing panel.
I have instructed a Alderley Edge conveyancer having made sure that they are on the RBS conveyancing panel. Does my lawyer arrange the survey of the property?
RBS will need an independent valuation of the property. Your lawyer will not arrange this. Usually RBS will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your solicitor will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Alderley Edge postcode. As you are getting a mortgage with RBS, you could contact them to see if they have a list of approved surveyors in Alderley Edge.
My partner and I are selling our house in Alderley Edge and according to the buyers it appears that there is a possibility that the property was constructed land that was not decontaminated. Any high street Alderley Edge conveyancer would know this is not the case. For the life of me I don't know why the purchasers are using an online conveyancing outfit as opposed to a conveyancing solicitor in Alderley Edge. We have lived in Alderley Edge for six years we know that this is a non issue. Is it a good idea to get in touch with our local Authority to obtain clarification need.
It would appear that you have a conveyancing solicitor currently acting for you. Are they able to advise? You need to enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same ailment)
The deeds to my house can not be found. The conveyancers who dealt with the conveyancing in Alderley Edge 5 years ago are no longer around. What are my next steps?
Gone are the days when you need to hold title deeds to establish that you are the registered proprietor of land or premises, as the Land Registry have everything they need in a digital format.
I have been on the look out for a ground for flat up to £235,500 and found one near me in Alderley Edge I like with open areas and railway links in the vicinity, however it only has 51 years unexpired on the lease. There is not much else in Alderley Edge for this price, so just wondered if I would be making a grave error purchasing a short lease?
If you need a home loan the remaining unexpired lease term will be problematic. Discount the offer by the anticipated lease extension will cost if it has not already been discounted. If the current owner has owned the premises for at least 2 years you could request that they start the process of the extension and then assign it to you. You can add 90 years to the existing lease term with a zero ground rent applied. You should speak to your conveyancing lawyer about this matter.
What tools are available to search for a Alderley Edge conveyancing solicitor on the bank conveyancing panel? I have a car and am prepared to travel up to 10kilometers to meet the solicitor.
You can use the find a conveyancing panel tool on this page. Please choose the lender and your location, in this case Alderley Edge and you will see a number of lawyer located nearest Alderley Edge. 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.