Are you able to vouch for a Norwich and Peterborough Building Society accepted Wigan conveyancing practice who can have us moved in within 28 days? Would it be better to use a local Wigan solicitor or a nationwide comparison site?
We can recommend some very good Wigan conveyancing firms. You can also walk up the high street in Wigan. Approach a couple of firms and request to see a conveyancing solicitor for a quote. Discuss your requirements together with the reasons and get a commitment on speed. Select the lawyer that you trust.
I am intent on selling our home in Wigan and according to the buyers it appears that there is a possibility that the property was constructed land that was not decontaminated. Any high street Wigan lawyer would know that there is no such problem. It does beg the question why the buyers are using an internet conveyancing firm as opposed to a conveyancing solicitor in Wigan. Having lived in Wigan for 4 years we know of no issue. Do we contact our local Authority to seek clarification that the buyers are looking for.
It sounds as though you may have a conveyancing firm currently acting for you. Are they able to advise? You should enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same illness)
My wife and I have a renovated Georgian house in Wigan. Conveyancing lawyer acted for me and Platform Home Loans Ltd. I did a free Land Registry search last week and there are two entries: one for freehold, the second leasehold with the exact same property. I thought I was buying a freehold how can I check?
You need to assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Wigan and other locations in 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 lenders. You can also check the situation with your conveyancing solicitor who conducted the purchase.
I'm buying a new build house in Wigan with a mortgage from Alliance & Leicester . The sellers refused to budge the price so I negotiated five thousand pounds worth of fixtures and fittings instead. The house builders rep advised me not disclose to my solicitor about this deal as it will jeopardize my mortgage with the lender. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Over the last few months I have been searching for a leasehold apartment up to £235,500 and identified one near me in Wigan I like with amenity areas and station nearby, the downside is that it only has 61 years on the lease. I can't really find anything else in Wigan for this price, so just wondered if I would be making a mistake acquiring a lease with such few years left?
Should you require a home loan the remaining unexpired lease term will be problematic. Discount the price by the expected lease extension will cost if not already taken into account. If the existing owner has owned the property for at least 2 years you may ask them to commence the lease extension formalities and pass it to you. You can add 90 years to the current lease with a zero ground rent applied. You should consult your conveyancing lawyer concerning this matter.
I have noted on various online forums that when choosing a conveyancing lawyer they need approved by your bank. I am first time buyer with but I have an offer in principle with Halifax and I already have a bricks and morter conveyancing solicitor in Wigan on standby. Does Santander insist on an approved lawyer to be instructed? Does a list of panel solicitors even exist for my conveyancing in Wigan?
You should use a solicitor that is on the Santander panel. Just telephone your chosen Wigan conveyancing lawyer to check if they are on the Santander panel. If they are not approved you have a number of alternatives open to you here:
- Proceed with your preferred Wigan property lawyer but Santander will no doubt use a lawyer on their conveyancing panel. The net impact is additional charges together with likely interruption.
- Appoint a new conveyancing practitioner to conduct the conveyancing, not forgetting to check that they are on the Santander conveyancing panel.
- Appeal to your solicitor to attempt to join the bank panel.