I was informed yesterday by my estate agent that my Whiteley lawyer is not on the mortgage company Solicitor panel. How can I be sure that this is correct?
The sensible course of action for you to take is to contact your Whiteley conveyancer. You lawyer should advise you what has happened. If they are not on the panel they may be able to suggest a Whiteley conveyancing practice that is on the approved list of lawyers for your bank.
I have given 2 months notice to my existing landlord and have to vacate my rented apartment in Whiteley by 18/11/2025. Conveyancing for my house purchase has just started. Is it possible to complete in six weeks as I wish to avoid having to move into temporary accommodation?
Generally one should not give notice for your lease unless exchange of contracts has taken place. Assuming that you have not already done so, notify to your lawyer and request that they seek the assistance the sellers side, try to get a realistic time scale from them that everyone will work towards
Finally the sale completed on my house in Whiteley last July yet the purchaser is e-mailing me to say his conveyancer is waiting to hear from mine. What should my lawyer have done now that I have sold?
After completion of your disposal your conveyancer should deliver the transfer deeds and all of the paperwork to the buyer’s conveyancer. Where relevant, your solicitor should also evidence that the home loan has been redeemed to the buyers lawyers. There are no post completion tasks unique to conveyancing in Whiteley.
Is there a list of Co-operative panel solicitors in Whiteley on the UK Finance Lenders’ Handbook Website?
No. There is no such directory service on the Council of Mortgage Lenders or Building Society Association websites. A small selection of lending institutions make their panel listings open the public over the internet. Where you are looking for a Whiteley solicitor on the Co-operative please make the most of our facility.
I have paid off my mortgage with HSBC. I assume I don't need a Whiteley property lawyer on the HSBC panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your HSBC mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the HSBC mortgage from the register. HSBC, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where HSBC has sent the Land Registry the discharge electronically, and
- HSBC has instructed the Land Registry to do so
I was told two weeks ago that my mortgage has been agreed to by Principality. Is it usual for Principality to only issue the offer once my solicitor in Whiteley is approved on their conveyancing panel? Principality have asked my solicitor to see a copy of their Professional Indemnity Insurance Schedule.
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Principality to deal with your lawyer's application to be on the Principality conveyancing panel. There's no guarantee that your solicitor will be accepted.
Do I need to pay for insurance to address the risk of chancel repairs when purchasing a residence in Whiteley?
Unless a previous acquisition of the property completed post 12 October 2013 you can expect lawyers handling conveyancing in Whiteley to remain encouraging a chancel search and or chancel repair liability policy.
I've found a house that seems to be perfect, at a reasonable price which is making it all the more appealing. I have subsequently discovered that the title is leasehold rather than freehold. I would have thought that there are issues buying a house with a leasehold title in Whiteley. Conveyancing lawyers have are about to be appointed. Will my lawyers set out the implications of buying a leasehold house in Whiteley ?
The majority of houses in Whiteley are freehold rather than leasehold. This is one of the situations where having a local solicitor used to dealing with such properties who can assist with the conveyancing process. it is apparent that you are buying in Whiteley so you should seriously consider shopping around for a Whiteley conveyancing solicitor and check that they are used to transacting on leasehold houses. As a matter of priority you will need to check the unexpired lease term. Being a tenant you will not be entirely free to do whatever you want with the house. The lease will likely included provisions for example requiring the freeholder’spermission to carry out alterations. It may be necessary to pay a maintenance charge towards the upkeep of the estate where the house is part of an estate. Your solicitor should report to you on the legal implications.
Whiteley Leasehold Conveyancing - A selection of Queries Prior to Purchasing
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Where a Whiteley lease has less than eighty years it will have adverse implications on the salability of the property. It is worth checking with your lender that they are willing to lend given the lease term. Leases with fewer than 80 years remaining means that you will probably need a lease extension at some point and you need to have some idea of how much this would cost. Remember, in most cases you would need to own the property for two years before you are eligible to extend the lease. The best form of lease structure is if the freehold interest is in the ownership of the leaseholders. In this scenario the lessees have control and notwithstanding that a managing agent is frequently employed where the building is bigger than a house conversion, the managing agent employed by the leaseholders. For most Whiteley leaseholds the cost for major works are not included within service charges, although a few managing agents in Whiteley ask leasehold owners to pay into a reserve fund and this is used to offset against major works.