I am obtaining a offer of a home loan from Halifax. My intention is to use a Licensed Conveyancer in Harehills. Does the Halifax Solicitor panel include conveyancers regulated by the CLC?
The Halifax approved solicitor list is, like many other lenders, represented by the CML or Building Society Association, open to Licensed Conveyancers regulated by the CLC.
I have 70 years left on my lease and require a lease extension for my apartment in Harehills. Conveyancing solicitors on the Chelsea Building Society panel can deal with such extensions right?
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are obtaining a mortgage then your lender may insist that the lease be extended before competition. Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 2/6/2025 the requirements read as follows :
Forgive me if this question is silly but I am new to the process as a first time purchaser of a two bedroom flat in Harehills. Do I pick up the keys to the premises on completion from my lawyer? If this is the case, I will find a High Street conveyancing solicitor in Harehills?
On the day of completion you will not be required to go to the conveyancers office in Harehills. Conveyancing lawyers for you will arrange to send the completion advance to the vendor’s solicitors, and once they have received this, you should be called to receive the keys from the Estate Agents and move into your new home. Usually this occurs early afternoon.
We have agreed to purchase a house in Harehills. A rare aspect is that the roof has a solar panel. UBS 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 UBS your lawyer must follow the formal requirements set out in Section two of UK Finance Lenders’ Handbook for UBS. The CML Handbook contains minimum provisions for solar panel roof-space leases, and conveyancers are required to report to UBS where a lease does not satisfy these requirements. The specifications relate to the installation of panels on properties countrywide and is not limited to Harehills.
I currently have a mortgage with RBS for my property in Harehills. Conveyancing was finalised 12 months ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform RBS?
RBS must be informed of your intention prior to letting out your property as this is likely to be a breach of RBS’s mortgage conditions. It may be that RBS will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact RBS directly. It should not be necessary to do this via a RBS conveyancing panel lawyer.
I've recently found out that there is a flying freehold element on a house I have offered on two weeks back in what should have been a quick, no chain conveyancing. Harehills is the location of the property. Can you offer any opinion?
Flying freeholds in Harehills are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Harehills you must be sure that your lawyer goes through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Harehills may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
My brother has encouraged me to use his conveyancers in Harehills. Should I find my own solicitor?
Much as we are happy to recommend a Harehills conveyancing lawyer the ideal way to select a conveyancing solicitor is to have guidance from friends or relatives who have actually previously instructed the firm you're are thinking of instructing.
Do online conveyancing organisations do everything a high street Harehills solicitor does or do I still need to use a solicitor for the final stages for my conveyancing in Harehills?
Where you choose an online conveyancer they will undertake all the things your Harehills solicitor would cover.