My mortgage broker has requested my Harleston law firm’s panel member for the Nat West conveyancing panel. How do I obtain this. I have contacted my local Harleston office but they have not responded to me.
You are best placed to get this information from your Harleston solicitor . Most Harleston conveyancing practices will keep a file or database of lender panel information which would include, if applicable, their conveyancing panel details for each mortgage company.
What is the difference between a licensed conveyancer and conveyancing solicitor in Harleston
Two types of professional can do conveyancing in Harleston namely licenced conveyancers or solicitors. The two can administer conveyancing services that you need to complete the disposal or acquisition of property. Both are duty bound to conduct Harleston conveyancing to the same quality and guidelines so you can be sure that your conveyancing will be properly conducted and that the necessary procedures will be appropriately taken.
My wife and I have organised the release of further funds on our home loan from Nationwide as we want to conduct renovations to our house in Harleston. Do we need to choose a high street Harleston solicitor on the Nationwide conveyancing panel to handle the legals?
Nationwide would not normally appoint a member of their approved list of lawyers to handle such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Nationwide panel.
I have today made my last payment due on my mortgage with Aldermore. I assume I don't need a Harleston conveyancing practitioner on the Aldermore panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Aldermore 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 Aldermore mortgage from the register. Aldermore, 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 Aldermore has sent the Land Registry the discharge electronically, and
- Aldermore has instructed the Land Registry to do so
Are there restrictive covenants that are commonly identified as part of conveyancing in Harleston?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Harleston. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
Just had an offer accepted on a new build apartment in Harleston. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.
Set out below are examples of a few leasehold new build questions that you should expect your new-build leasehold conveyancing in Harleston
-
The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease.
I decided to have a survey carried out on a property in Harleston before retaining lawyers. I have been informed that there is a flying freehold aspect to the house. My surveyor has said that some lenders will not grant a loan on such a property.
It depends who your proposed lender is. Bank of Scotland has different requirements from Halifax. If you contact us we can check 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 Harleston. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Harleston to see if the conveyancing will be more expensive.
My work colleague mentioned that before choosing a conveyancing firm they need approved by your bank. I am novice purchaser but I have an AIP via Birmingham Midhshires and I already have a family conveyancing lawyer in Harleston lined up. Will Virgin Money insist on an approved lawyer to be instructed? If so, where do I find that list for my conveyancing in Harleston?
You should use a solicitor that is on the Virgin Money panel. The simplest thing to do is telephone your preferred Harleston conveyancing lawyer to check if they are on the Virgin Money panel. If they are not on the panel you have numerous choices open to you here:
- Proceed with your chosen Harleston conveyancing practitioner but Virgin Money will undoubtedly use a property lawyer on their approved list. This will result in additional charges and likely frustration.
- Get a new property lawyer to conduct the conveyancing, obviously checking they are on the Virgin Money conveyancing panel.
- Convince your conveyancer to do everything possible to join the Virgin Money panel of solicitors.