The Brighouse and Rastrick conveyancing firm handling our Brighouse and Rastrick conveyancing has discovered a difference when comparing the surveyor’s assumptions in the home valuation report and what is in the title deeds. My solicitor informs me that he is duty bound to ensure that the lender is OK with this discrepancy and is still content to lend. Is my conveyancer’s course or action legitimate?
Your property lawyer must comply with the UK Finance Lenders’ Handbook provisions which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
I am the sole beneficiary of my late mum's will with all property in now in my sole name, including the my former home in Brighouse and Rastrick. Conveyancing formalities meant that the Land Registry date was in January. I want to move. I do know about the CML 6 month 'rule', which means that my property ownership may be regarded the same way as if I'd bought the house in January. Do I have to wait half a year to sell?
The CML handbook obliges conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be caught by that. Most lenders would take a pragmatic view as this obligation is primarily there to capture the purchase and immediately sell or the quick reselling of properties.
Is it the case that all Brighouse and Rastrick solicitor firms on the Co-operative conveyancing panel are regulated by the SRA?
As a firm of solicitors, in order to be on the Co-operative approved list of solicitors they would need to be regulated by the Solicitors Regulatory Authority. The majority of mortgage companies do allow licenced conveyancers on their panel in which case such practice would be governed by the Council of Licensed Conveyancers.
I had an offer accepted on an apartment in Brighouse and Rastrick on 29/12/2025, valuation was booked 2 days later, received a clean bill of health. Solicitor retained, so the only thing outstanding was my mortgage offer. Having made daily calls to Co-operative and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Co-operative conveyancing panel. Can the lender hold off the offer?
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Co-operative to deal with your lawyer's application to be on the Co-operative conveyancing panel. There's no guarantee that your solicitor will be accepted.
How does conveyancing in Brighouse and Rastrick differ for new build properties?
Most buyers of new build premises in Brighouse and Rastrick contact us having been asked by the seller to exchange contracts and commit to the purchase even before the property is ready to move into. This is because house builders in Brighouse and Rastrick tend to acquire 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 conveyancers 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 accustomed to new build conveyancing in Brighouse and Rastrick or who has acted in the same development.
Due to the input of my in-laws I had a survey completed on a house in Brighouse and Rastrick in advance of instructing lawyers. I have been advised that there is a flying freehold element to the house. Our surveyor has said that some lenders may not grant a mortgage on such a premises.
It depends who your proposed lender is. Bank of Scotland has different requirements for example to Halifax. If you e-mail us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Brighouse and Rastrick. Conveyancing may be slightly more expensive based on your lender's requirements.
I'm refinancing my primary home to a buy to let loan with Aldermore and I will use the ballance of the raised equity towards another house. The area we are looking at is Brighouse and Rastrick. Will your conveyancers be able to act for both sets of banks and tie in the two deals?
Do use our search tool on this site to check that the solicitors are approved by both banks. On the basis that they are your conveyancer will be able to simultaneously deal with the two deals but you should talk with you conveyancer and communicate your desired outcome and needs.
Having had my offer accepted I require leasehold conveyancing in Brighouse and Rastrick. Before diving in I would like to find out the unexpired term of the lease.
If the lease is registered - and most are in Brighouse and Rastrick - then the leasehold title will always include the basic details of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.
Brighouse and Rastrick Leasehold Conveyancing - Sample of Questions you should consider Prior to buying
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How much is the ground rent and service charge? Does the lease contain onerous restrictions?