I had a mortgage agreed in principle with Leeds Building Society. Scarborough conveyancing practitioners are chosen. How long does it take for Leeds Building Society to send the offer to the property lawyer?
There is no definitive answer here. Have Leeds Building Society conducted the survey? Have you informed Leeds Building Society as to your lawyers' details and checked that your lawyers are on the Leeds Building Society conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
We have agreed to purchase a house in Scarborough. A rare aspect is that the roof has a solar panel. RBS have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that your lender is RBS your lawyer must comply with the conveyancing requirements outlined in Part 2 of UK Finance Lenders’ Handbook for RBS. The CML Handbook includes minimum specifications for solar panel roof-space leases, and property lawyers are required to report to RBS where a lease fails to satisfy these specifications. The specifications relate to the installation of panels on properties countrywide and is not limited to Scarborough.
Our offer on a detached house in Scarborough has been accepted, the owners do however have a connected purchase. The owners have put an offer on on an apartment, but it’s not yet agreed to, and have viewings of other apartments booked. I have selected a bricks and mortar conveyancing solicitor in Scarborough. What should be my next step? At what point do I apply for the mortgage with Leeds Building Society?
It is understandable to have apprehensions where there is a chain as you are unlikely to want to be too out of pocket prematurely (home loan application is in the region of one thousand pounds, then valuation, Scarborough conveyancing search costs, etc). The first course of action is to ensure that your property lawyer is on the Leeds Building Society approved list. Concerning the next steps this very much dictated by the specifics of your transaction, motivation for this property and on the state of the market. In a rising market many purchasers would apply for a home loan with Leeds Building Society and arrange for the valuation and only if it was satisfactory would they ask their conveyancer to press on with searches.
Are there restrictive covenants that are commonly picked up during conveyancing in Scarborough?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Scarborough. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I've recently found out that there is a flying freehold issue on a property I put an offer in two weeks back in what should have been a simple, chain free conveyancing. Scarborough is the location of the property. Can you offer any guidance?
Flying freeholds in Scarborough are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Scarborough you would need to get your solicitor to go through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Scarborough may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
What tools are available to locate a Scarborough law firm on the Barnsley Building Society conveyancing panel? I have a car and am happy to travel upto 10kilometers to meet the conveyancer.
You can use the search on this page. Please pick a bank and your location and you will see a number of Scarborough conveyancing lawyers located nearest you. We have listed some Scarborough conveyancing firms at the bottom of this page and you can call them to check whether they are on the Barnsley Building Society member panel
Am I best advised to appoint a Scarborough conveyancing practitioner who is local to the property I am buying? I have an old university friend who can perform the legal work however her office is approximately 350miles drive away.
The benefit of a high street Scarborough conveyancing firm is that you can pop in to sign documents, present your ID and pester them where appropriate. They will also have local knowledge which is a bonus. That being said it's more important to get someone that will pull out all the stops for you. If you know people who used your friend and in the main were content that should trump using an unknown Scarborough conveyancing solicitor solely due to them being Scarborough based.