My mortgage company has suggested solicitors on their panel based in Harrogate but I would rather instruct a conveyancing lawyer in Harrogate or nearer to where I live. Are you able to assist?
Not all Harrogate conveyancing firms are on all banks conveyancing panel. Use our find an approved solicitor tool to identify a Harrogate conveyancing firm on the on the lender panel.
I used Stirling Law several years ago for my conveyancing in Harrogate. Now, I need the documents however the law firm is no longer operating. What do I do?
You should call the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Harrogate of the conveyancing firm of solicitors you previously retained, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I opted to have a survey completed on a property in Harrogate in advance of retaining solicitors. I have been informed that there is a flying freehold aspect to the property. My surveyor has said that some mortgage companies tend not issue a loan on this type of property.
It varies from the lender to lender. HSBC has different requirements for example to Birmingham Midshires. Should you wish to telephone us we can investigate further with the relevant bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Harrogate. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Harrogate to see if the conveyancing costs will increase in light of this.
I'm refinancing my current home to a buy to let mortgage with Platform Home Loans Ltd and I will use the ballance of the raised equity as a down payment on another house. The area we are talking about is Harrogate. Will your conveyancers be able to act for both sets of lenders and tie in the transactions?
Make use of our search tool on this page to be sure that the solicitors are approved by both mortgage companies. On the basis that they are the solicitor should be able to simultaneously deal with the two deals but you should talk with you conveyancer and make apparent your expectations and requirements.
Last May I purchased a leasehold property in Harrogate. Am I liable to pay service charges relating to a period prior to my ownership?
In a situation where the service charge has already been demanded from the previous owner and they have not paid you would not usually be personally liable for the arrears. Strange as it may seem, your landlord may still be able to take action to forfeit the lease. A critical element of leasehold conveyancing for your conveyancer to be sure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.
If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).
Leasehold Conveyancing in Harrogate - Examples of Queries before Purchasing
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The prefered form of lease structure is a share of the freehold. In this situation the leaseholders have control and although a managing agent is usually employed if the building is larger than a house conversion, the managing agent acts for the leaseholders themselves. How is the lease structured? What is the name of the managing agents?
Myself and my partner have recently had an offer agreed on a apartment and had meeting on Wednesday with the Post Office for the mortgage. They have informed me that when it comes to choosing a solicitor that unless they are on their approved list of lawyers then we will have to pay out an extra fee of £250+. This is because they will then have to appoint a conveyancer to act on their behalf in addition to the one we choose to act on our behalf and we are liable for their costs. I have asked the Post Office to furnish me with a list so I can request quotes only from their approved solicitors but was told that I need to check with each individual solicitor to see if they are on the panel. Is there a simple way of finding out who is on a lender panel?
Ask the Post Office what their panel criteria is for a conveyancer.Thereafter ask the solicitor of your choice whether they fit that criteria and have they acted on mortgages for the Post Office in the past. Where the answer to those is yes, then just double check with the Post Office. Another option is to use our search tool and we should be able to locate a lawyer in Harrogate on the panel for the Post Office.