Are the Birch and Middleton conveyancing solicitors identified as being on the Yorkshire BS conveyancing panel, together with their details provided by Yorkshire BS?
Birch and Middleton conveyancing firms themselves provide us confirmation that they are on the Yorkshire BS conveyancing panel as opposed to being supplied with a list from Yorkshire BS directly.
we are a couple who intend to purchase a newly converted apartment in Birch and Middleton with a homeloan from Nationwide Building Society.We like our Birch and Middleton conveyancing solicitor but Nationwide Building Society says he's not on their "panel". It seems we have little choice but to instruct a Nationwide Building Society panel solicitor or retain our high street solicitor and pay for one of their panel ones to represent them. We feel as though this is unjust; is there anything we can do?
No, not really. The home loan offered to you is subject to its various provisions, one of which will be that lawyers will be on the Nationwide Building Society approved list. in the past, most banks had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your lawyer to apply to be on the conveyancing panel for Nationwide Building Society
I am looking for a leasehold apartment up to £305k and identified one round the corner in Birch and Middleton I like with amenity areas and transport links nearby, however it only has 52 years unexpired on the lease. I can't really find anything else in Birch and Middleton for this price, so just wondered if I would be making a mistake purchasing a lease with such few years left?
Should you require a mortgage the remaining unexpired lease term may be a potential deal breaker. Discount the price by the amount the lease extension will cost if it has not already been discounted. If the existing owner has owned the property for a minimum of 2 years you may ask them to commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the existing lease and have £0 ground rent by law. You should consult your conveyancing solicitor about this matter.
My husband and I are FTB’s - had an offer accepted, yet the property agent has warned us that the vendor will only issue a contract if we use their chosen solicitors as they need a ‘quick sale’. My instinct tells me that we should use a family conveyancer with experience of conveyancing in Birch and Middleton
We suspect that the owner is unaware of this request. Should the seller want ‘a quick sale', turning down a genuine buyer is counter productive. Speak to the owners direct and explain that (a)you are motivated purchasers (b)you are excited to move forward, with mortgage lined up © you are unencumbered (d) you intend to proceed fast (e)however you are going to use your preferred Birch and Middleton conveyancing solicitors - not the ones that will provide the estate agent a referral fee or meet his conveyancing targets set by corporate headquarters.
A couple of months ago I was advised by my mortgage company that their panel lawyers operate no sale no charge basis for conveyancing in Birch and Middleton. I had a purchase fall through and now the conveyancers have requested search fees! They are stating that the fees are independent!
Birch and Middleton conveyancing search charges are separate expenses not solicitors fees as these are payable to independent parties.