lenderpanel

Find a Appleby In Westmorland Conveyancing Solictior on Your Lender’s Panel

Ready to buy a new home in Appleby In Westmorland? Failing to check that a lawyer is on your lender’s list of approved solicitors can put your Appleby In Westmorland home move at risk of delay or failure.

Only LenderPanel.com provides a subset of authorised Appleby In Westmorland conveyancers for over 130 lenders.


Recently asked questions about conveyancing in Appleby In Westmorland

I own a freehold premises in Appleby In Westmorland but still invoiced for rent, why is this and what is this?

It’s unusual for properties in Appleby In Westmorland and has limited impact for conveyancing in Appleby In Westmorland but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.

Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges date back many centuries, but the Rent Charge Act 1977 barred the creation of fresh rentcharges post 1977.

Previous rentcharges can now be redeemed by making a lump sum payment under the Act. Any rentcharges that are still in existence in 2037 is to be extinguished.

When it comes to mortgage companies such as Leeds Building Society, do Appleby In Westmorland property lawyers face a fee to be on the list of approved solicitors?

We are not aware of any lender fees to register on their panel, although some do charge an administration fee to deal with the processing of the conveyancing panel submission.

I have today made my last payment due on my mortgage with Co-operative. I assume I don't need a Appleby In Westmorland solicitor on the Co-operative panel to remove the mortgage at the Land Registry. Please confirm.

If you have finished paying off your Co-operative 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 Co-operative mortgage from the register. Co-operative, 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:

  1. but are not moving to another property
  2. where Co-operative has sent the Land Registry the discharge electronically, and
  3. Co-operative has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your Co-operative mortgage has been paid off.

I've digested plenty of house buying guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Appleby In Westmorland solicitor - who is on the Aldermore conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?

Aldermore will need an independent valuation of the property. Your lawyer will not arrange this. Usually Aldermore will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Appleby In Westmorland surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.

I am buying a new build flat in Appleby In Westmorland. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.

Set out below is a sample of a selection of leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Appleby In Westmorland

    Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? Please provide evidence that the form of Lease proposed has been approved by the Land Registry. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Forfeiture - bankruptcy or liquidation must not apply under this provision.

I opted to have a survey done on a property in Appleby In Westmorland before appointing conveyancers. I have been advised that there is a flying freehold overhang to the property. My surveyor advised that some banks may not grant a loan on this type of premises.

It depends who your proposed lender is. HSBC has different instructions for example to Halifax. Should you wish to telephone us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Appleby In Westmorland. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Appleby In Westmorland to see if the conveyancing costs will increase in light of this.

I was recommended by three or four local selling agents in Appleby In Westmorland to select a property lawyer using your seach tool. What’s the financial incentive for Estate Agents to market your site ahead of another?

We refuse to offer any financial incentive for directing people to this site. We found it would be just too difficult a fee because a client could think, ‘Why is the agent getting a kickback? Why am I not getting any benefit too?’ So we decided to step away from that.

Last updated

Find out more about how flying freehold can affect your the value of a property.