We are purchasing a house and need a conveyancing solicitor in Sheffield who is on the Clydesdale solicitor panel. Can you recommend a local 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 Clydesdale . We don't recommend any particular firms conducting conveyancing in Sheffield.
We are expecting a mortgage offer soon. The lender mentioned the loan came with free conveyancing. Is the implication that I have to use their panel solicitor as I would prefer to use a Sheffield based conveyancing firm?
You should check but the the probability is that appoint one of their panel solicitors where you accept the "fee-free" deal. Call the bank and check if they offer you a cash alternative. In the past a few lenders offered a £250 cashback as a further option in which case that money can go towards your preferred conveyancing solicitor in Sheffield.
Should our lawyer be raising questions concerning flooding as part of the conveyancing in Sheffield.
Flooding is a growing risk for lawyers dealing with homes in Sheffield. Some people will acquire a property in Sheffield, fully expectant that at some time, it may suffer from flooding. However, aside from the physical destruction, where a house is at risk of flooding, it may be difficult to obtain a mortgage, satisfactory insurance cover, or dispose of the premises. There are steps that can be taken during the course of a property purchase to forewarn the purchaser.
Conveyancers are not best placed to give advice on flood risk, but there are a various searches that can be carried out by the purchaser or on a buyer’s behalf which should figure out the risks in Sheffield. The standard completed inquiry forms supplied to a buyer’s solicitor (where the solicitors are adopting what is known as the Conveyancing Protocol) contains a usual inquiry of the owner to find out if the property has ever been flooded. In the event that flooding has previously occurred which is not revealed by the vendor, then a buyer may commence a legal claim for losses as a result of such an misleading response. A purchaser’s solicitors will also order an environmental search. This will indicate if there is any known flood risk. If so, further investigations should be initiated.
I have justfound out that Wolstenholmes have closed. They conducted my conveyancing in Sheffield for a purchase of a freehold house 12 months ago. How can I establish that the property is registered correctly in the name of the former proprietor?
The quickest method to see if the premises is registered to you, you can make 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 Sheffield conveyancing specialists.
I am buying a new build house in Sheffield benefiting from help to buy. The builders refused to move on the price so I negotiated £7000 of additionals instead. The sale representative suggested that I not to tell my solicitor about this deal as it could jeopardize my mortgage with Norwich and Peterborough Building Society. 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 decided to have a survey carried out on a property in Sheffield ahead of retaining conveyancers. I have been advised that there is a flying freehold overhang to the house. Our surveyor advised that some banks may not give a mortgage on such a house.
It varies from the lender to lender. HSBC has different instructions for example to Halifax. Should you wish to call us we can check with 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 Sheffield. Conveyancing will be smoother if you use a solicitor in Sheffield especially if they regularly deal with such properties in Sheffield.