Would the conveyancing practitioners listed on your site conduct right to buy conveyancing in East Harling?
We work with a variety of conveyancing experts who can service right to buy conveyancing Do contact us in order to obtain a conveyancing quote.
My Conveyancer in East Harling is not listed on the Bank of Scotland Conveyancing Panel. Can I still continue with my prefered solicitor notwithstanding that they are not on the Bank of Scotland approved list?
The limited options available to you here include:
- Carry on with your existing East Harling lawyers but Bank of Scotland will need to use a lawyer on their list of acceptable firms. This will inevitably rack up the total legal fees as well as result in frustration.
- Choose an alternative lawyer to to deal with the purchase, remembering to check they are Persuade your solicitor to do everything within their powers to join the Bank of Scotland conveyancing panel
What does a local search reveal concerning the property we're purchasing in East Harling?
East Harling conveyancing often starts with the submitting local authority searches directly from your local Authority or via a personal search organisations for example Onsearch The local search is essential in every East Harling conveyancing purchase; that is if you wish to avoid any nasty surprises after you move into your property. The search will reveal data on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen topic areas.
Due to the encouragement of my in-laws I had a survey completed on a property in East Harling prior to instructing solicitors. I have been told that there is a flying freehold overhang to the house. My surveyor advised that some lenders will refuse to grant a mortgage on a flying freehold premises.
It varies from the lender to lender. HSBC has different requirements for example to Halifax. If you call us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in East Harling. Conveyancing may be slightly more expensive based on your lender's requirements.
Our lawyer in East Harling has identified a a legal deficiency with the lease for the apartment we are purchasing in East Harling. The seller’s lawyers have suggested title insurance as a solution. We are content with insurance and will cover the costs. Our solicitor has advised that as he is on the lender conveyancing panel he must be satisfied that the lender is happy with this solution. Who is the client here, us or the mortgage company?
The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and the mortgage company are the client. A precondition to being on the mortgage company approved panel is to comply with the UK Finance Lenders’ Handbook requirements. The UK Finance Lenders’ Handbook conditions require your lawyer to disclose issues such as defects will the lease so that the lender can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected . Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.