I plan on acquiring a maisonette in Bamber Bridge. My Solicitor has never been on on the mortgage company approved panel. Is it possible for me to use my Bamber Bridge conveyancing solicitor notwithstanding that they are not on the mortgage company list of approved lawyers?
One must have a conveyancer to complete the legal work required if you require a mortgage to buy your home. The solicitor will conduct all the necessary investigations on the property, make sure that you will be registered as proprietor and ensure that all the necessary mortgage paperwork is in order. You may appoint a Bamber Bridge lawyer of your choosing. However, if the conveyancer selected is not on the mortgage company approved list supplemental charges will be levied as separate legal representation will be required by them. Bank panel applications may be submitted, so if your lawyer has not historically applied for membership they should take the opportunity to apply.
Our god-son is about to exchange on a newly built flat in Bamber Bridge with a mortgage from Nationwide. His lawyer has advised him of a delay in completing the ‘Disclosure of Incentive Form’. What is this document - I have never come across this before?
The document is intended to provide information to the main parties involved in the purchase. Therefore, it will be provided to your son’s lawyer who should be on the Nationwide conveyancing panel as a standard part of the process, and to the surveyor when requested. The developer will be required to start the process by downloading the form and completing it. The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Nationwide conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.
Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Bamber Bridge. My lender is Platform
Platform have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 5/12/2025, the requirements read as follows :
is it true that all Bamber Bridge conveyancing solicitors on the Kent Reliance conveyancing panel are regulated by the Solicitors Regulatory Authority?
As solicitors, in order to be on the Kent Reliance approved list of solicitors they would need to be overseen by the Solicitors Regulatory Authority. Some lenders do permit licenced conveyancers on their panel in which case such organisation would be regulated by the CLC.
Two weeks ago we had a mortgage agreed in principle with Kent Reliance. Bamber Bridge conveyancing solicitors are appointed. How long does it take for Kent Reliance to forward the offer to the conveyancer?
Some lenders take longer than others. Have Kent Reliance done the valuation? Have you advised Kent Reliance as to your lawyers' details and checked that your lawyers are on the Kent Reliance conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
I am currently in the process of buying my council flat in Bamber Bridge. I have a mortgage offer with Principality. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Principality, you will need to appoint a solicitor on the Principality conveyancing panel.
How does conveyancing in Bamber Bridge differ for new build properties?
Most buyers of new build premises in Bamber Bridge contact us having been asked by the housebuilder to exchange contracts and commit to the purchase even before the residence is ready to move into. This is because house builders in Bamber Bridge usually purchase the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Bamber Bridge or who has acted in the same development.
I work for a busy estate agency in Bamber Bridge where we have experienced a few leasehold sales derailed as a result of short leases. I have received conflicting advice from local Bamber Bridge conveyancing solicitors. Please can you clarify whether the owner of a flat can instigate the lease extension process for the buyer?
Provided that the seller has owned the lease for at least 2 years it is possible, to serve a Section 42 notice to start the lease extension process and assign the benefit of the notice to the purchaser. The benefit of this is that the proposed purchaser can avoid having to wait 2 years to extend their lease. Both sets of lawyers will agree to form of assignment. The assignment has to be done prior to, or simultaneously with completion of the disposal of the property.
Alternatively, it may be possible to extend the lease informally by agreement with the landlord either before or after the sale. If you are informally negotiating there are no rules and so you cannot insist on the landlord agreeing to grant an extension or transferring the benefit of an agreement to the purchaser.
Bamber Bridge Leasehold Conveyancing - Sample of Queries Prior to buying
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How much is the ground rent and service charge? What restrictions are there in the Bamber Bridge Lease? Most Bamber Bridge leasehold flats will have a service charge for maintenance of the building levied by the freeholder. If you purchase the flat you will have to meet this amount, usually in instalments during the year. This may be anything from a few hundred pounds to thousands of pounds for large purpose-built buildings. In all probability there will be a rentcharge for you to pay annual, this is usually not a exorbitant sum, say about £25-£75 but you need to check as sometimes it can be many hundreds of pounds.