At what point does exchange of contracts take place for purchase conveyancing in Biddulph and do I need to attend the conveyancers office?
If you are near to our conveyancing solicitors in Biddulph you are welcome to attend to sign the paperwork. That being said, the law practices we recommend offer countrywide coverage for conveyancing and provide just as detailed and professional a job for you when communicating with you by post or email. The signing of the contract is not the point of no return. Signing on the dotted line simply enables the firm to officially exchange at the appropriate time, which will usually be very shortly after signing. The procedure is is usually a five minute process, although where a long "chain" is in the mix, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Biddulph)to be in the office at the appropriate time.
How do I investigate if the solicitor carrying out my conveyancing in Biddulph is on the mortgage lender’sconveyancing panel? I am looking to avoid the situation of having one lawyer for me and one for Platform Home Loans Ltd thus paying £175.00 in further legal bill.
Please do make the most of the find a conveyancing panel solicitor tool on this page. Please choose the lender and type ‘Biddulph’ or your location and you will be presented with numerous conveyancers located in Biddulph or nearest you.
Is it the case that all Biddulph solicitor firms on the TSB conveyancing panel are governed by the Solicitors Regulatory Authority?
As a firm of solicitors, in order to be on the TSB conveyancing panel they would need to be overseen by the SRA. Many lenders do list licenced conveyancers on their panel and in such a situation the practice would be overseen by the Council of Licensed Conveyancers.
I have today made my last payment due on my mortgage with Clydesdale. I assume I don't need a Biddulph solicitor on the Clydesdale panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Clydesdale mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Clydesdale mortgage from the register. Clydesdale, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Clydesdale has sent the Land Registry the discharge electronically, and
- Clydesdale has instructed the Land Registry to do so
My offer was accepted on a house in Biddulph on 10/12/2024, valuation was booked 3 days after, received a clean bill of health. Solicitor instructed, so all that was missing was my mortgage offer. Having made daily calls to Barclays and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Barclays conveyancing panel. Are Barclays entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Barclays to deal with your lawyer's application to be on the Barclays conveyancing panel. There's no guarantee that your solicitor will be accepted.
I opted to have a survey carried out on a house in Biddulph ahead of instructing lawyers. I have been advised that there is a flying freehold element to the house. The surveyor has said that some banks may refuse to issue a mortgage on such a house.
It depends who your proposed lender is. HSBC has different instructions for example to Nationwide. Should you wish to telephone us we can investigate further with the appropriate lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Biddulph. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Biddulph to see if the conveyancing costs will increase in light of this.
How can the Landlord & Tenant Act 1954 impact my commercial offices in Biddulph and how can you help?
The particular law that you refer to gives protection to business lessees, giving them the right to make a request to court for a new tenancy and remain in occupation when the lease reaches an end. There are certain specified grounds where a landlord can refuse a lease renewal and the rules are involved. We are happy to direct you to commercial conveyancing solicitors who use the act to your advantage and assist with commercial conveyancing in Biddulph
I have finally had an offer on an flat in Biddulph accepted, the vendor does however have a tied purchase. The current proprietors have offered on a flat, however it’s not been accepted yet, and has viewings of other apartments in the pipeline. I have chosen a nearby conveyancing solicitor in Biddulph. What do I do now? When do I get the mortgage application with Co-operative started with Co-operative?
It is understandable to have anxieties where there is an associated chain as you are unlikely to want to incur costs too early (mortgage application is approx one thousand pounds, then survey, Biddulph conveyancing search charges, etc). The first thing to do is ensure that your conveyancer is on the Co-operative conveyancing panel. Regarding the next stages this very much dictated by the uniqueness of your transaction, desire for this property and on the state of the market. In a rising market many home buyers would apply for the mortgage with Co-operative and pay for the valuation and only if it comes back ok would they pay their solicitor to move forward with the conveyancing in Biddulph.