I am thinking of refinancing my property in Church Stretton, does my lawyer need to be on the Nationwide Solicitor panel?
In theory, you could use a solicitor that is not on the Nationwide conveyancing panel, but Nationwide would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same transaction.
I am assisting my step-mother sell her flat in Church Stretton. Does the conveyancer arrange the EPC or it is for the owner to see to?
Following the abolition of Home Information Packs, energy performance certificates became a required element of selling a property. An energy performance certificate must be to hand in advance of the property being marketed. It is not something that solicitors normally arrange. If you are using a Church Stretton conveyancing lawyer they may be willing to arrange energy performance certificates due to their relationships with long established Church Stretton accredited person
Can you help - my lawyer says that flying freehold insurance is needed on my purchase. What is the typical level of cover needed for conveyancing in Church Stretton?
The right level of flying freehold indemnity insurance depends on your lender. It would differ for example between Barclays and Coventry Building Society. Conveyancing lawyers as opposed to borrowers take out such insurances.
Is it the case that all Church Stretton CQS (Conveyancing Quality Scheme) solicitors are on the Clydesdale conveyancing panel?
A selection of banks and building societies now utilise CQS as the kick off point for Panel membership such as HSBC and Santander. CQS accreditation however gives no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for firms wishing to remain on their approved list of conveyancing solicitors.
I have a semi-detached Edwardian property in Church Stretton. Conveyancing lawyer represented me and Platform Home Loans Ltd. I did a free Land Registry search last week and I saw two entries: the first freehold, another for leasehold with the matching property. Is it worth asking Platform Home Loans Ltd to clarify?
You need to assess 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 Church Stretton and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with lenders. You can also check the position with the conveyancing practitioner who conducted the purchase.
How does conveyancing in Church Stretton differ for newly converted properties?
Most buyers of new build residence in Church Stretton come to us having been asked by the developer to exchange contracts and commit to the purchase even before the house is constructed. This is because developers in Church Stretton tend to purchase the real estate, 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 conveyancing solicitors 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 Church Stretton or who has acted in the same development.
I opted to have a survey carried out on a property in Church Stretton in advance of retaining conveyancers. I have been informed that there is a flying freehold element to the property. My surveyor has said that some mortgage companies tend not give a mortgage on this type of property.
It depends who your proposed lender is. HSBC has different instructions from Birmingham Midshires. If you e-mail us we can look into this further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Church Stretton. Conveyancing will be smoother if you use a solicitor in Church Stretton especially if they are accustomed to such properties in Church Stretton.
How do I locate a Church Stretton law firm on the Leeds Building Society conveyancing panel? I drive a motor bike and am happy to travel upto 10miles to meet the conveyancer.
You can use the search on this website. Please choose the lender and your location and you will see a number of Church Stretton conveyancing lawyers based on proximity. We have detailed some Church Stretton conveyancing firms towards the end of this page and you can ring them to see whether they are on the Leeds Building Society panel