We are acquiring a brand new apartment in Bridlington and my solicitor is telling me that she is duty bound to the bank to disclose incentives from the seller. I am under pressure to exchange and I don't want to prolong matters. is my lawyer playing by the book?
You should not exchange unless you have been advised to do so by your property lawyer. A precondition to being on a bank panel is to comply with the UK Finance Lenders’ Handbook requirements. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
Can your site be used to locate a Conveyancing solicitor in Bridlington even if I’m not buying or disposing of a house, for instance if I want to buy a shop in Bridlington with a loan from National Westminster Bank?
Our comparison service is primarily there to help choose residential conveyancing solicitors in Bridlington but we have set out at the end of this page a few Bridlington commercial conveyancing firms. You should enquire with the company directly to see if they can also act for National Westminster Bank
Our bank has suggested a law firm on their panel based in Bridlington but I would rather instruct a conveyancing lawyer in Bridlington or nearer to where I live. Are you able to help?
It is by no means the case that all Bridlington conveyancing practices are approved and listed on all lender’s conveyancing panel. Please make the most of our search tool to identify a Bridlington conveyancing conveyancer on the on the bank panel.
We have agreed to purchase a house in Bridlington. An unusual aspect is that the roof has a solar panel. Yorkshire BS have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As your lender is Yorkshire BS your lawyer must check the formal requirements outlined in Part two of UK Finance Lenders’ Handbook for Yorkshire BS. The CML Handbook contains minimum provisions for solar panel roof-space leases, and lawyers are required to report to Yorkshire BS where a lease does not meet these conditions. The provisions relate to the installation of panels on properties countrywide and is not limited to Bridlington.
We were going to get a AIP from Co-operative this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Co-operative recommend any Bridlington solicitors on the Co-operative conveyancing panel, or is it better to go independently?
You will need to appoint Bridlington solicitors independently although you'll need to choose one on the Co-operative conveyancing panel. The solicitor represents both you and Co-operative through the process.
Completion of my remortgage has taken place for my property in Bridlington. Conveyancing was satisfactory but I would like to complain about the lender. How do I make a complaint?
All banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. In most cases complaints to a lender are resolved effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
Despite weeks of looking the Title Certificate and documents to our property can not be found. The conveyancers who dealt with the conveyancing in Bridlington 10 years ago are no longer around. What are my next steps?
Assuming the title is registered the details of your proprietorship will be evidenced by HMLR with a Title Number. It is possible to conduct a search at the Land Registry, find your property and order up to date copies of the property title for less than a fiver. Where the property is Leasehold then the Land Registry will in most cases retain a certified duplicate of the Registered Lease and again, a copy can be ordered for £20 inclusive of VAT.
I'm refinancing my existing house to a BTL loan with Clydesdale and intend to use the remaining equity as a down payment on a second house. The location we are talking about is Bridlington. Will your solicitors be able to act for both sets of banks and link together the two deals?
Make use of our search tool on this site to check that the lawyers are approved by both banks. Assuming that they are the solicitor will be able to tie up the two conveyancing matters but you should talk with you lawyer and specify your desired outcome and requirements.