Can I use your services to find a Conveyancing solicitor in Kirkby even if I’m not buying or disposing of a house, for example if I want to acquire a shop in Kirkby with a mortgage from Halifax?
Our comparison service is mainly there to select residential conveyancing solicitors in Kirkby but we have recorded at the end of this page a selection of Kirkby commercial conveyancing firms. You will need to speak with the company directly to check if they are also authorised to represent Halifax
We previously chose conveyancing lawyers located in Kirkby on the Aldermore solicitor panel. They are now charging me a supplemental amount for dealing with the Aldermore mortgage. Is this a supplemental conveyancing fee set by Aldermore?
Provided it is contained in their Terms and Conditions or Quote then yes your solicitor is entitled to levy a fee for this. The fee is not set by Aldermore but by your Kirkby solicitor. Some firms on the Aldermore panel will charge an ‘acting for lender’ fee but many firms incorporate it on their overall fee.
We have a mortgage agreed in principle with Barclays. Kirkby conveyancing lawyers have been instructed. What is the average time that one could expect to receive a mortgage offer from Barclays?
There is no definitive answer here. Have Barclays conducted the valuation? Have you advised Barclays as to your lawyers' details and checked that your lawyers are on the Barclays conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
I am currently in the process of buying my council flat in Kirkby. I have a mortgage offer with Leeds Building Society. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Leeds Building Society, you will need to appoint a solicitor on the Leeds Building Society conveyancing panel.
I have justfound out that Stirling Law have been shut down. They conducted my conveyancing in Kirkby for a purchase of a leasehold apartment 18 months ago. How can I be sure that my home is in my name in the name of the previous owner?
The quickest way to check if the property is in your name, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Kirkby conveyancing specialists.
I'm buying my first flat in Kirkby with the aid of help to buy. The sellers refused to budge the amount so I negotiated five thousand pounds worth of additionals instead. The property agent told me not to tell my solicitor about the side-deal as it could put at risk my loan with the lender. Is this normal?.
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.
I opted to have a survey completed on a property in Kirkby in advance of instructing solicitors. I have been told that there is a flying freehold element to the property. My surveyor has said that some banks may refuse to issue a loan on such a property.
It depends who your proposed lender is. Lloyds has different requirements from Halifax. If you call us we can investigate further via 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 Kirkby. Conveyancing may be slightly more expensive based on your lender's requirements.
My partner and I have just had an offer agreed on a house and had an appointment on Tuesday with Leeds Building Society for the mortgage. They advised us that when it comes to selecting a solicitor that if they are not on their approved panel of conveyancers then we will be subject to an a further charge of £250+. This is is due to the fact that they will then have to instruct a conveyancer to act for them as well as the one we choose to act for ourselves and we assume responsibility for their costs. I have asked Leeds Building Society to supply me with a list so I can request estimates only from their approved conveyancers 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?
Ask Leeds Building Society what their criteria for panel membership is for a solicitor.Then ask the property lawyer of your choice whether they meet the criteria and have they acted on mortgages for Leeds Building Society before. Where the answer to those is yes, then just double check with Leeds Building Society. Alternatively please make use of our search facility and we may be able to find you a conveyancing practitioner in Kirkby on the approved list for Leeds Building Society.