I plan on purchasing a leasehold flat in Whitnash. My Conveyancer is not listed on the bank approved list. Can I still appoint my Whitnash conveyancing solicitor notwithstanding that they are not on the bank list of approved lawyers?
You must instruct a solicitor to complete the formalities if you need a loan to buy your property. The conveyancer will conduct all the relevant due diligence on the property, make sure that you’re properly registered as the owner and ensure that all the required mortgage documentation is dealt with. One could instruct a Whitnash conveyancing practitioner of your choosing. However, where the property lawyer selected is not on the lender solicitor panel additional costs will be incurred as separate legal representation will be need by the lender. Conveyancing panel applications can be submitted, so if your conveyancer has not in the past sought membership they should take the opportunity to apply.
I have given 2 months notice to my current landlord and have to leave my let out flat in Whitnash by 18/3/2026. Conveyancing for my house purchase is progressing. How realistic is it to complete in three weeks as don't want to have to find temporary accommodation?
The normal practice is not to give notice for your letting unless exchange of contracts has taken place. Assuming that you have not previously done so, speak to your conveyancer and request that they seek the assistance the other lawyers, try to get a realistic time scale from them that everyone will work towards
Do I find a Licenced Conveyancer or Solicitor for conveyancing in Whitnash?
There are two types of lawyers who can execute conveyancing in Whitnash namely CLC regulated conveyancers or solicitors. The two can provide the legal services that required to complete the sale or purchase of property. They are both required to carry out Whitnash conveyancing to the same standards and guidelines so you may be safe in the knowledge that your conveyancing will be professionally carried out and that the requirements and procedures will be appropriately attended to.
I am assisting my niece sell her property in Whitnash. Will the solicitor commission the energy assessment or should I organise this?
After the abolition of Home Information Packs, energy assessments became a compulsory element of selling a property. An energy performance certificate needs to be to hand before the property is advertised. It is not something that lawyers ordinarily arrange. Where you are instructing a Whitnash conveyancing lawyer they might be able to arrange energy assessments due to their contacts with reputable Whitnash energy assessors
I can not fathom if my lender requires a lease extension. I have called into my local Whitnash bank branch on a couple of occasions and was reassured it wasn't a problem and they would lend. My Whitnash conveyancing solicitor - who is on the bank conveyancing panel- telephoned to say that they refuse to lend in accordance with their specific requirements. I have no idea who is right.
Provided that the conveyancer is on the mortgage company panel, they must adhere to the Council of Mortgage Lenders’ Handbook requirements for the lender. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.
Due to the encouragement of my in-laws I had a survey completed on a house in Whitnash ahead of instructing conveyancers. I have been told that there is a flying freehold element to the house. My surveyor advised that some mortgage companies will not issue a loan on this type of premises.
It varies from the lender to lender. Lloyds has different requirements for example to Birmingham Midshires. Should you wish to telephone us we can check with the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Whitnash. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Whitnash to see if the conveyancing costs will increase in light of this.
Do I need to be wary about brokers that I am dealing with are encouraging me to use a factory type conveyancing firm as opposed to a High Street Whitnash conveyancing company?
As with many professional services, often recommendations from connections can be worth their weight in gold. Nevertheless there are lots of players in a conveyancing matter; estate agents, financial adviser and lenders might all recommend lawyers to choose. Sometimes these solicitors might be known to one of the organisations as being good in their field, but sometimes there might be a commercial relationship behind the endorsement. You have the discretion to appoint your preferred lawyer. Don't forget that the majority of lenders have an approved list of conveyancers you are obliged to use for the mortgage aspect of your conveyancing.
Back In 2007, I bought a leasehold flat in Whitnash. Conveyancing and Chelsea Building Society mortgage are in place. A letter has just been received from someone saying they have taken over the freehold. It included a demand for arrears of ground rent dating back to 1994. The conveyancing solicitor in Whitnash who previously acted has long since retired. Do I pay?
The first thing you should do is make enquiries of the Land Registry to make sure that the individual purporting to own the freehold is indeed the new freeholder. It is not necessary to incur the fees of a Whitnash conveyancing lawyer to do this as you can do this on the Land Registry website for a few pound. Rest assured that in any event, even if this is the legitimate freeholder, under the Limitation Act 1980 no more than 6 years of rent can be collected.
I own a garden flat in Whitnash, conveyancing was carried out 3 years ago. How much will my lease extension cost? Similar flats in Whitnash with an extended lease are worth £176,000. The average or mid-range amount of ground rent is £50 levied per year. The lease terminates on 21st October 2106
With only 80 years remaining on your lease the likely cost is going to be between £8,600 and £9,800 as well as costs.
The suggested premium range above a general guide to costs for renewing a lease, but we are not able to supply the actual costs in the absence of comprehensive investigations. Do not use the figures in tribunal or court proceedings. There may be other issues that need to be taken into account and you obviously want to be as accurate as possible in your negotiations. Please do not move forward placing reliance on this information without first seeking the advice of a professional.