We are buying a house and need a conveyancing solicitor in The Ridgeway who is on the Clydesdale solicitor panel. Can you recommend a local 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 The Ridgeway.
I am in the process of mortgaging my flat in The Ridgeway, does my lawyer have to be on the Clydesdale Conveyancing panel?
There is nothing to stop you using your solicitor, but Clydesdale will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.
If you had a top tip for selecting a conveyancing solicitor in The Ridgeway what would it be?
It would be unwise to be tempted by the cheapest The Ridgeway conveyancing quote. You really do get what you’re paying for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.
My wife and I purchasing a 3 bedroom semi in The Ridgeway. We would like to carry out an extension to the side at the house.Will legal work on the property involve enquiries to ascertain if these works are prohibited?
Your property lawyer should check the deeds as conveyancing in The Ridgeway will occasionally identify restrictions in the title deeds which prevent categories of works or need the consent of a 3rd party. Many extensions call for local authority planning consent and approval in accordance building regulations. Some areas are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. You should check these issues with a surveyor before you commit yourself to a purchase.
I have a mortgage with Skipton for my property in The Ridgeway. Conveyancing was finalised a year ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Skipton?
You must advise Skipton before letting out your property as this is likely to be a breach of Skipton’s mortgage conditions. It may be that Skipton will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Skipton directly. It should not be necessary to do this via a Skipton conveyancing panel solicitor.
Me and my brother own a 4 bedroom Georgian property in The Ridgeway. Conveyancing lawyer acted for me and Coventry Building Society. I did a free Land Registry search last week and there are a couple of entries: the first freehold, another for leasehold with the matching property. I thought I was buying a freehold how can I check?
You need to review 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 owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in The Ridgeway and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also enquire as to the situation with your conveyancing lawyer who conducted the purchase.
I opted to have a survey done on a house in The Ridgeway ahead of appointing solicitors. I have been advised that there is a flying freehold aspect to the house. The surveyor has said that some mortgage companies tend not issue a mortgage on such a home.
It varies from the lender to lender. Santander has different instructions from Nationwide. Should you wish to call us we can investigate further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in The Ridgeway. Conveyancing may be slightly more expensive based on your lender's requirements.
What is the reason for new build conveyancing in The Ridgeway being more expensive?
Buying a new build property is significantly different from the standard house purchase conveyancing in The Ridgeway. Firstly housebuilders ordinarily need contracts to exchange inside a short timeframe, so there is a lot of pressure on your solicitor to ensure all is in order. Furthermore new build properties often necessitate examination of adoption of highways, drains, planning considerations, building warranties or architects certificates. Mortgage company obligations are also more demanding. Taking into account the complex nature of the process for these types of properties, the conveyancing new build fees are higher than normal.