My financial adviser says he needs my Harrogate solicitor’s panel member for the Nationwide conveyancing panel. Can you suggest how I find this out. I have e-mailed my local Harrogate office but they don't know it.
Have you tried contacting your Harrogate lawyer about this?. Most Harrogate law practices will keep a file or database of lender panel information which would include, if applicable, their conveyancing panel details for each bank.
We are a couple about to exchange contracts for a leasehold flat in Harrogate. We encountered a stumbling block. The loan offer with Nationwide Building Society expires on 22/4/2025 but the owners are insisting on a completion date of 24/4/2025. Is it possible to prolong the loan offer?
The best person to address this issue is your lawyer who is in a position to determine if they should be discussing with the mortgage company, seller’s solicitors, property agents or possibly all parties based on what has happend in your conveyancing as of today.
Are the Harrogate conveyancing solicitors identified as being on the Lloyds conveyancing panel, together with their details provided by Lloyds?
Harrogate conveyancing firms themselves provide us confirmation that they are on the Lloyds conveyancing panel as opposed to being supplied with a list from Lloyds directly.
Should our solicitor be asking questions regarding flooding as part of the conveyancing in Harrogate.
The risk of flooding is if increasing concern for conveyancers dealing with homes in Harrogate. Some people will purchase a property in Harrogate, fully expectant that at some time, it may be flooded. However, aside from the physical destruction, where a house is at risk of flooding, it may be difficult to get a mortgage, satisfactory insurance cover, or sell the premises. Steps can be carried out as part of the conveyancing process to forewarn the purchaser.
Lawyers are not qualified to impart advice on flood risk, but there are a various searches that can be undertaken by the purchaser or on a buyer’s behalf which can figure out the risks in Harrogate. The standard completed inquiry forms given to a purchaser’s conveyancer (where the Conveyancing Protocol is adopted) contains a usual question of the seller to find out whether the premises has suffered from flooding. In the event that flooding has previously occurred which is not disclosed by the vendor, then a purchaser could bring a compensation claim resulting from an incorrect reply. The buyer’s solicitors should also order an enviro report. This should disclose if there is a recorded flood risk. If so, further inquiries will need to be carried out.
I decided to have a survey done on a property in Harrogate in advance of retaining solicitors. I have been advised that there is a flying freehold aspect to the house. My surveyor has said that some banks will not grant a mortgage on a flying freehold house.
It depends who your proposed lender is. Bank of Scotland has different requirements from Birmingham Midshires. Should you wish to call us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Harrogate. Conveyancing will be smoother if you use a solicitor in Harrogate especially if they are familiar with such properties in Harrogate.
We're novice buyers - agreed a price, but the selling agent informed us that the owners will only proceed if we appoint their chosen lawyers as they want a ‘quick sale’. My instinct tells me that we should use a local solicitor used to conveyancing in Harrogate
It is improbable the sellers are behind this. Should the vendor require ‘a quick sale', alienating a genuine purchaser is likely to cause more damage than good. Speak to the vendors direct and make sure they comprehend that (a)you are serious purchasers (b)you are excited to move forward, with finances arranged © you are unencumbered (d) you wish to move quickly (e)however you intend to instruct your own,trusted Harrogate conveyancing solicitors - rather thanthe ones that will earn the estate agent a commission or meet his conveyancing thresholds set by corporate headquarters.