Me and my partner are purchasing a 2 bedroom apartment in Whitnash with a mortgage. We like our Whitnash lawyer, however the bank says she’s not on their "panel". It appears that we have little choice but to appoint one of the mortgage company panel solicitors or continue with our Whitnash lawyer and pay for one of their panel firms to act for them. We regard this is unjust; is there anything we can do?
Unfortunately,no. Your mortgage offer is subject to its terms and conditions, one of which will be that lawyers will on the lender’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your Whitnash conveyancing lawyer to apply to be on the conveyancing panel.
Can I use your services to find a Conveyancing solicitor in Whitnash even where I’m not purchasing or disposing of a house, for instance where I wish to acquire an office in Whitnash with a mortgage from Santander?
Our search tool is mainly utilised to locate residential conveyancing solicitors in Whitnash but we have recorded at the end of this page a few Whitnash commercial conveyancing firms. You will need to make contact with the solicitors directly to see if they are also authorised to represent Santander
Various online forums that I have come across warn that are the main cause of hinderance in Whitnash house deals. Is there any truth in this?
The Council of Property Search Organisations (CoPSO) released determinations of research by MoveWithUs that conveyancing searches do not figure amongst the top 10 causes of delays in the conveyancing process. Searches are not likely to feature in any delay in conveyancing in Whitnash.
How does conveyancing in Whitnash differ for new build properties?
Most buyers of new build property in Whitnash come to us having been asked by the housebuilder to sign contracts and commit to the purchase even before the residence is ready to move into. This is because house builders in Whitnash tend to purchase the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Whitnash or who has acted in the same development.
In scouring the internet for the words on line conveyancing in Whitnash it reveals numerous solicitorsin the area. With so much choice what is the best way to find the right property lawyer for my move?
The ideal method of seeking a suitable conveyancer is through a personal testimonial, so enquire of friends and those you trust who have purchased a property in Whitnash or the local estate agent or mortgage broker. Charges for conveyancing in Whitnash vary, so it's sensible to secure a minimum of three quotes from different law firms. Be sure to secure confirmation what costs in the quote includes.
Back In 2001, I bought a leasehold flat in Whitnash. Conveyancing and Godiva Mortgages Ltd mortgage are in place. I have received a letter from someone claiming to own the freehold. It included a demand for arrears of ground rent dating back to 1995. The conveyancing solicitor in Whitnash who acted for me is not around. Any advice?
First contact the Land Registry to be sure that the individual claiming to own the freehold is in fact the new freeholder. There is no need to instruct a Whitnash conveyancing practitioner to do this as you can do this on the Land Registry website for £3. Rest assured that in any event, even if this is the rightful landlord, under the Limitation Act 1980 the limitation period for recovery of ground rent is six years.
Leasehold Conveyancing in Whitnash - Sample of Questions you should ask before buying
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What restrictions are contained in the Whitnash Lease? Is there a share of the freehold? How many of the leaseholders are in arrears for their maintenance charge payments?