It may have been a long time coming a loan agreement from Santander for the refinancing of my 3 bedroom apartment is coming by the end of next week. Are you able to recommend a cheap conveyancing lawyer in Holmes Chapel?
You have arrived at the wrong place to search for the lowest fares for conveyancing solicitors in Holmes Chapel. We can offer you value for money conveyancing but we do not advertise as being the cheapest. Resist the temptation to appoint organisations offering £99 conveyancing in Holmes Chapel. In your best case scenario, in going for cheap conveyancing, you will receive what you pay for and at worst you will end up invoiced for extras and still not end up with the service required.
I own a freehold residence in Holmes Chapel yet charged rent, why is this and what is this?
It’s unusual for properties in Holmes Chapel and has limited impact for conveyancing in Holmes Chapel but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.
Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for many centuries, but the Rent Charge Act 1977 barred the establishment of new rentcharges post 1977.
Previous rentcharges can now be extinguished by making a one off payment under the Act. Any rentcharges that are still in existence after 2037 will be extinguished.
I used Wolstenholmes several years ago for my conveyancing in Holmes Chapel. I now require my file however cannot find the solicitor. What do I do?
You should call the Solicitors Regulatory Authority (SRA) to assist in tracking down 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 Holmes Chapel of the conveyancing firm of solicitors you previously hired, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I'm buying my first flat in Holmes Chapel with a mortgage from Virgin Money. The builders would not move on the price so I negotiated 6k of additionals instead. The estate agent told me not reveal to my solicitor about the extras as it may impact my loan with the lender. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Due to the guidance of my in-laws I had a survey completed on a house in Holmes Chapel in advance of appointing solicitors. I have been told that there is a flying freehold overhang to the property. My surveyor advised that some banks may not grant a loan on this type of premises.
It varies from the lender to lender. Bank of Scotland has different requirements from Nationwide. Should you wish to telephone us we can check via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Holmes Chapel. Conveyancing will be smoother if you use a solicitor in Holmes Chapel especially if they are acquainted with such properties in Holmes Chapel.
Me and my fiance have just had an offer agreed on a property and had meeting on Friday with Nationwide for the mortgage. They advised us that when it comes to appointing a conveyancing practitioner that if they are not on their approved list of solicitors then we will be subject to an an additional fee of £200. This is because they will then have to select a property lawyer to act on their behalf in addition to the one we choose to act for ourselves and we will be on the hook for their invoice. I have requested Nationwide to supply me with a list so I can request quotes only from their approved solicitors but was told they dont have such a list to hand over. Is there a simple way of finding out who is on a lender panel?
You should ask Nationwide what their criteria for panel membership is for a solicitor.Thereafter ask the solicitor of your choice whether they fit that criteria and have they acted on mortgages for Nationwide before. If the answer to those is yes, then just double check with Nationwide. Another option is to make use of our search tool and we should be able to identify a conveyancing practitioner in Holmes Chapel on the approved list for Nationwide.