I am expecting a offer of a home loan from Santander. I intend to use a Licensed Conveyancer in Moorends. Does the Santander Solicitor panel include conveyancers regulated by the CLC?
The Santander conveyancing panel is, like many other lenders, associated to the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the CLC.
My aunt passed away six months ago and as sole heir and executor I was left the property in Moorends. The house had a relatively small loan left on it of around £5k. I want to have the title changed into my name whilst I re-mortgage to Skipton, pay off the mortgage. Is this allowed?
Where you plan to refinance then Skipton will insist on your using a conveyancer on the Skipton conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Skipton conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Skipton mortgage is registered as a charge at the Land Registry.
Various web forums that I have visited warn that are the number one cause of obstruction in Moorends house deals. Is there any truth in this?
The Council of Property Search Organisations (CoPSO) published conclusions of a review by MoveWithUs that conveyancing searches do not feature amongst the most frequent causes of delays in the conveyancing process. Local searches are not likely to feature in any slowing down conveyancing in Moorends.
I decided to have a survey done on a property in Moorends ahead of instructing solicitors. I have been advised that there is a flying freehold element to the house. Our surveyor advised that some lenders will not grant a loan on such a premises.
It depends who your proposed lender is. Bank of Scotland has different instructions from Birmingham Midshires. Should you wish to call us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Moorends. Conveyancing may be slightly more expensive based on your lender's requirements.
My brother has encouraged me to appoint his conveyancing solicitors in Moorends. Do I follow his advice?
Much as we are happy to recommend a Moorends conveyancing lawyer it’s preferable to find a conveyancing solicitor is to have referrals from friends or relatives who have used the conveyancer that you are contemplating using.
I am due to assess costs for conveyancing in Moorends from various conveyancer and appoint one. Should I get them to sit tight until I I have my bid accepted on a apartment.
We would recommend that you only get your property lawyer to start work and submit searches once the offer has been accepted on the property particularly as Moorends conveyancing searches are costly.