Is there a search tool that I can use to check that the solicitor carrying out my conveyancing in Cheetham Hill is on the bank’sapproved panel? I am looking to avoid the situation of having one lawyer for me and one for Accord Mortgages Ltd thus paying £192.00 in another set of conveyancing charges.
You should take advantage of the search tool on this page. Please choose the lender and type ‘Cheetham Hill’ or your location and you will discover a number of lawyer located in Cheetham Hill or near you.
We have agreed to purchase a house in Cheetham Hill. A rare aspect is that the roof has a solar panel. Santander have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that your lender is Santander your lawyer must comply with the formal requirements outlined in Section 2 of UK Finance Lenders’ Handbook for Santander. The CML Handbook includes minimum specifications for solar panel roof-space leases, and conveyancing practitioners are required to report to Santander where a lease fails to meet these specifications. The provisions relate to the installation of panels on properties in England and Wales and is not isolated to Cheetham Hill.
I have paid off my mortgage with Co-operative. I assume I don't need a Cheetham Hill lawyer on the Co-operative panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Co-operative 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 Co-operative mortgage from the register. Co-operative, 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 Co-operative has sent the Land Registry the discharge electronically, and
- Co-operative has instructed the Land Registry to do so
About to purchase flat in Cheetham Hill. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Yorkshire BS conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Cheetham Hill property lawyer is on the Yorkshire BS conveyancing panel.
I have todayfound out that Stirling Law have been shut down. They carried out my conveyancing in Cheetham Hill for a purchase of a leasehold apartment 10 months ago. How can I be sure that my home is not still registered in the name of the previous owner?
The quickest way to see if the property is in your name, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Cheetham Hill conveyancing specialists.
I'm purchasing my first flat in Cheetham Hill with a loan from Platform Home Loans Ltd. The sellers would not reduce the amount so I negotiated £7000 of additionals instead. The sale representative told me not to tell my conveyancer about this deal as it would put at risk my loan with the bank. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the developer 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.
Should I instruct a Cheetham Hill conveyancing practitioner based in the location that I am purchasing? We have a good friend who can handle the legal formalities however they are based 300miles drive away.
The benefit of a high street Cheetham Hill conveyancing practice is that you can drop in to sign documents, hand in your ID and apply pressure on them if necessary. They will also have local insight which is a plus. That being said it's more important to get someone that will do a good and efficient job. If you know people who used your friend and on the whole were happy that must outweigh using an unfamiliar Cheetham Hill conveyancing lawyer just because they are Cheetham Hill based.
Having used your search tool I can't find the lawyer I was hoping to instruct as being on the lender conveyancing panel. My lawyer has said that they are on the lender approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the mortgage company conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the mortgage company solicitor panel.