Can your site be used to locate a Conveyancing solicitor in Seascale even if I’m not purchasing or selling a house, for example where I wish to buy an office in Seascale with a mortgage from Virgin Money?
Our comparison service is mainly utilised to select domestic conveyancing solicitors in Seascale but we have set out towards the bottom of this page some Seascale commercial conveyancing firms. You should speak with the solicitors directly to see if they are also authorised to represent Virgin Money
Are the BSA planning on creating a search tool with a view to to identify solicitors on the Norwich and Peterborough Building Society conveyancing panel for example in Seascale?
We are not aware of any intention on the part of the BSA to develop such a register.
Is it the case that all Seascale solicitors on the Aldermore conveyancing panel are governed by the SRA?
As solicitors, in order to be on the Aldermore conveyancing panel they would need to be overseen by the Solicitors Regulatory Authority. Many mortgage companies do permit licenced conveyancers on their panel in which case such practice would be governed by the CLC.
My partner and I have organised the release of further monies on our home loan from HSBC as we wish to conduct improvements to our property in Seascale. Do we need to choose a high street Seascale solicitor on the HSBC conveyancing panel to deal with the paperwork?
HSBC do not ordinarily appoint a member of their conveyancing panel to handle the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the HSBC conveyancing panel.
Completion of my remortgage has taken place for my property in Seascale. Conveyancing was satisfactory but I would like to complain about the lender. How do I make a complaint?
All banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Department at head office. In most cases complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
3 months have gone by since my purchase conveyancing in Seascale completed. I have checked the Land Registry website which shows that I paid £175,000 when infact I paid £215,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
The estate agent has sent us the confirmation of our purchase of a new build apartment in Seascale. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.
Set out below are examples of a selection of leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Seascale
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Forfeiture - bankruptcy or liquidation must not apply under this provision. There must be mutual enforceability of lessee’s covenants. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal.
Last June I purchased a leasehold house in Seascale. Do I have any liability for service charges for periods before my ownership?
In a situation where the service charge has already been demanded from the previous lessee and they have not paid you would not usually be personally liable for the arrears. However, your landlord may still be able to take action to forfeit the lease. It is an essential part 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).
Seascale Conveyancing for Leasehold Flats - Examples of Questions you should ask Prior to Purchasing
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You will want to discover as much as possible concerning the managing agents as they will either make your life much easier or much more difficult. As the proprietor of a leasehold property you are often at the mercy of the managing agents from a financial perspective and when it comes to daily matters like the tidiness of the communal areas. Ask other tenants if they are happy with them. In conclusion, be sure you understand the dates that the maintenance fees are due to the managing agents and precisely what you get for your money. The majority of Seascale leasehold properties will be liable to pay a service charge for maintenance of the block levied by the landlord. Where you purchase the apartment you will have to meet this contribution, normally quarterly throughout the year. This may vary from two or three hundred pounds to thousands of pounds for large purpose-built blocks. There will also be a rentcharge to be met yearly, normally this is not a exorbitant amount, say about £50-£100 but you should to enquire as sometimes it could be many hundreds of pounds. Is the freehold owned collectively by the leaseholders?