Can your site be used to recommend a Conveyancing solicitor in Whitworth even if I’m not purchasing or selling a house, for example where I intend to acquire an office in Whitworth with a loan from Platform Home Loans Ltd?
Our comparison service is mainly used to select domestic conveyancing solicitors in Whitworth but we have set out towards the end of this page some Whitworth commercial conveyancing firms. You will need to speak with the firm directly to check if they are also authorised to represent Platform Home Loans Ltd
I am purchasing a garden flat in Whitworth. How practical is it for me to do the conveyancing?
Leaving aside the complexities and merits of DIY conveyancing in Whitworth you will have to appoint a solicitor on your bank's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Whitworth.
Me and my partner are buying a apartment in Whitworth. I might seem paranoid but how we can trust a lawyer? On completion day we have to deposit our life savings into their account. What is the protection we have from them run away with our money?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
I have today made my last payment due on my mortgage with Santander. I assume I don't need a Whitworth solicitor on the Santander panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Santander 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 Santander mortgage from the register. Santander, 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 Santander has sent the Land Registry the discharge electronically, and
- Santander has instructed the Land Registry to do so
I am selling my flat. I had a double glazing fitted in November 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Barclays are being difficult. The Whitworth solicitor who is on the Barclays conveyancing panel is saying indemnity insurance will be fine but Barclays are insisting on a building regulation certificate. Why do Barclays have a conveyancing panel if they don't accept advice from them?
It is probably the case that Barclays have referred the matter to their valuer. The reason why Barclays may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
I have been on the look out for a leasehold apartment up to £305k and identified one close by in Whitworth I like with open areas and railway links nearby, however it only has 51 years unexpired on the lease. I can't really find anything else in Whitworth in this price bracket, so just wondered if I would be making a grave error acquiring a short lease?
Should you need a home loan that many years will be a potential deal breaker. Reduce the price by the anticipated lease extension will cost if not already taken into account. If the existing proprietor has owned the premises for at least twenty four months you may request that they commence the lease extension formalities and then assign it to you. You can add 90 years to the current lease with a zero ground rent applied. You should consult your conveyancing lawyer regarding this.
I today plan to offer on a house that appears to be perfect, at a reasonable figure which is making it all the more appealing. I have subsequently discovered that the title is leasehold as opposed to freehold. I would have thought that there are issues purchasing a leasehold house in Whitworth. Conveyancing lawyers have not yet been instructed. Will my lawyers set out the risks of buying a leasehold house in Whitworth ?
The majority of houses in Whitworth are freehold and not leasehold. In this scenario it’s worth having a local conveyancer used to dealing with such properties who can help the conveyancing process. We note that you are purchasing in Whitworth in which case you should be looking for a Whitworth conveyancing solicitor and be sure that they have experience in dealing with leasehold houses. As a matter of priority you will need to check the number of years remaining. Being a leaseholder you will not be at liberty to do whatever you want to the property. The lease comes with conditions for example requiring the freeholder’sconsent to conduct changes to the property. You may also be required to pay a service charge towards the maintenance of the communal areas where the house is part of an estate. Your solicitor should report to you on the legal implications.
Whitworth Leasehold Conveyancing - Examples of Questions you should consider Prior to buying
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What is the maintenance charge and ground rent on the property? Please note if it is less than eighty years it will affect the salability of the apartment. It is worth checking with your bank that they are willing to go ahead with the loan given the lease term. A short lease means that you will most likely require a lease extension sooner rather than later and you need to have some idea of how much this would cost. For most Whitworthlease extensions you would need to own the premises for a couple of years before you are legally able to carry out a lease extension. How is the lease structured?
My folks are unable to locate their Whitworth land registry title on the online search facility. They have a vague recollection back in the 60’s when they bought the house there were complications regarding the post code not being recognised in some systems.
Nearly all properties in Whitworth should show up. Have you endevoured to search with just the postcode. Usually it will reveal all the properties within that postcode. Where recorded it will be there with a title number. If they bought back in the 60’s it's conceivable it may be not yet registered. The property could still be revealed but with the title number shown 'na'. In this scenario you will need to find the original title papers which might be with your parent’s mortgage company.