We are purchasing a house and require a conveyancing solicitor in Newbury who is on the Skipton solicitor panel. Could you point me in the right direction as regards a conveyancing firm?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Skipton . We don't recommend any particular firms conducting conveyancing in Newbury.
I am considering applying for a Clydesdale mortgage for purchase of a newly converted (under development) in Newbury with 60% loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for Clydesdale ?
In theory, you could use a solicitor that is not on the Clydesdale conveyancing panel, but Clydesdale would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same transaction.
My wife and I purchased a renovated Georgian house in Newbury. Conveyancing lawyer acted for me and Nationwide Building Society. I did a free Land Registry search last week and I saw a couple of entries: the first freehold, the second leasehold under the matching address. I thought I was buying a freehold how can I check?
You need to read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Newbury and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with lenders. You can also enquire as to the position with the conveyancing practitioner who conducted the purchase.
I'm buying my first flat in Newbury benefiting from help to buy. The sellers would not budge the amount so I negotiated 6k of fixtures and fittings instead. The estate agent told me not inform my conveyancer about this deal as it could impact my loan with the bank. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the developer 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 encouragement of my in-laws I had a survey completed on a property in Newbury ahead of retaining conveyancers. I have been advised that there is a flying freehold aspect to the house. My surveyor advised that some mortgage companies will refuse to issue a mortgage on this type of home.
It varies from the lender to lender. HSBC has different requirements from Birmingham Midshires. If you e-mail us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Newbury. Conveyancing may be slightly more expensive based on your lender's requirements.
How straightforward is it to use your search app to get a fee calculation from a conveyancing practitioner in Newbury on the panel for my bank?
1st select a bank such as Nationwide Building Society, Chelsea Building Society or Britannia then specify your location for instance Newbury. Conveyancing practices in Newbury and across England and Wales should be shown.