I am expecting a mortgage offer from Halifax. I hope to enlist the help of a Licensed Conveyancer in Atherton. Does the Halifax Solicitor panel allow for conveyancers regulated by the CLC?
The Halifax approved solicitor list is, like many other lenders, represented by the CML or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
I have given 8 weeks notice to my existing landlord and have to vacate my rented property in Atherton by 9/7/2025. Conveyancing for my house purchase is underway. Can I complete in three weeks as I wish to avoid having to find temporary accommodation?
The normal practice is not to provide notice for your letting unless your lawyer suggests that you should. If you have not previously done so, notify to your conveyancer and urge them to they apply pressure on the other solicitors, try to get a realistic time scale from them that all parties will aim towards
I can not work out if my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date. I have telephoned my Atherton bank branch on various occasions and was told they are content with the situation and they would lend. My Atherton conveyancing solicitor - who is on the bank conveyancing panel- telephoned to say that they will not lend based on their published requirements. Who do I believe?
As long as the conveyancer is on the mortgage company approved list, they must adhere to the CML Handbook conditions for the bank. Unless your lawyer obtains specific confirmation in writing that the bank 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 left on the lease.
About to purchase apartment in Atherton. 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 Lloyds 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 Atherton lawyer is on the Lloyds conveyancing panel.
I've digested plenty of mortgage guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Atherton solicitor - who is on the Nottingham conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Nottingham will need an independent valuation of the property. Your lawyer will not arrange this. Usually Nottingham 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 Atherton postcode. As you are getting a mortgage with Nottingham, you could contact them to see if they have a list of approved surveyors in Atherton.
I've recently found out that there is a flying freehold element on a house I put an offer in last month in what should have been a simple, no chain conveyancing. Atherton is where the house is located. What do you suggest?
Flying freeholds in Atherton are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Atherton you must be sure that your lawyer goes 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 Atherton may decide 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.
Are there any apps to assist me to search for a Atherton solicitor on the TSB conveyancing panel? I am a keen cyclist and am prepared to travel upto 25kilometers to meet the solicitor.
Feel free to make use of the search on this website. Please choose the lender and your location and you will see a number of Atherton conveyancing lawyers based on proximity. We have detailed some Atherton conveyancing firms towards the end of this page and you can ring them to verify if they are on the TSB approved list
What is the difference between surveying and conveyancing in Atherton?
Conveyancing - in Atherton or elsewhere - is the process of legally transferring legal title of property from one person to another. It involves the investigation of the title. Whether buying or selling, you should be aware of anything affecting the property such as proposals by government departments, illegal buildings, or outstanding rates. The conveyancer should conduct the appropriate searches and inquiries on the property. Surveying relates to the structure of a property itself. A surveyor will look at a house, flat and any outbuildings you are intending to buy and will help you find out about the condition of the building and, if there are problems, give you a powerful reason for negotiating the purchase price down or asking the seller to fix the defects prior to you complete your move.