I am acquiring a leasehold flat in Bidford On Avon. My Solicitor is not listed on the bank solicitor list. Is it possible for me to use my Bidford On Avon conveyancing solicitor notwithstanding that they are not on the lender approved list?
Your options include
- Complete the purchase with your preferred Bidford On Avon conveyancer but your bank will need to use a lawyer from their approved list. This will result in additional cost together with probable interruption.
- Choose a new lawyer to act in the purchase, making sure they are on the mortgage company conveyancing panel.
- Appeal to your lawyer to attempt to join the bank panel
My wife and I have a 4 bedroom Edwardian property in Bidford On Avon. Conveyancing practitioner acted for me and Halifax. I did a free Land Registry search last week and there are a couple of entries: one for freehold, another for leasehold with the exact same address. I thought I was buying a freehold how can I check?
You should review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Bidford On Avon and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with buyers. You can also enquire as to the position with the conveyancing practitioner who completed the work.
I'm buying a new build house in Bidford On Avon with a mortgage from Halifax. The builders would not budge the price so I negotiated 6k of fixtures and fittings instead. The property agent suggested that I not disclose to my conveyancer about the extras as it could put at risk my mortgage with the bank. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I'm refinancing my current property to a BTL mortgage with Halifax and intend to use the remaining equity as a down payment on a second house. The neighborhood we are looking at is Bidford On Avon. Will your conveyancers be able to act for the two lenders and tie in the two deals?
Make use of our search tool on this page to be sure that the conveyancers are on the relevant lender panels. Assuming that they are the conveyancer will be able to tie up the two conveyancing matters but you should talk with you conveyancer and specify your desired outcome and needs.
My step-father has suggested that I appoint his conveyancers in Bidford On Avon. Should I use them?
No doubt the best way to find a conveyancing lawyer is to seek referrals from friends or family who have used the firm that you are contemplating using.
There are a number of houses in Bidford On Avon on unadopted lanes. We are acquiring such a property. Are there any advantages to buying a house on a private road?
Bidford On Avon conveyancing practices are well versed in dealing propertieson unadopted roads. Your property lawyer should review the title to find any rights or liabilities. It is possible that there is a management company (wholly owned by residents) that residents pay into for the upkeep of the road. Where there is one, the road will likely be maintained and look nicer than publicly adopted.