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Find a Brough Conveyancing Solictior on Your Lender’s Panel

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

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Recently asked questions about conveyancing in Brough

The mortgage over my property is with Bank of Ireland for my property in Brough. Conveyancing has been completed some time ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Bank of Ireland?

Bank of Ireland must be informed of your intention before renting your property as this is likely to be a breach of Bank of Ireland’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Bank of Ireland directly. It should not be necessary to do this via a Bank of Ireland conveyancing panel lawyer.

I have instructed a Brough property lawyer having checked that they are on the Leeds Building Society conveyancing panel. Does my lawyer arrange the survey of the property?

Leeds Building Society will need an independent valuation of the property. Your lawyer will not arrange this. Usually Leeds Building Society 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 Brough 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.

Barclays have agreed my mortgage in principle, my offer on a house in Brough has been accepted, what happens next?

The property agent will want to know who your solicitors are (make sure the property lawyers are on the lender’s approved list). Call up Barclays or the financial adviser and finalise any relevant forms. Barclays will appoint a valuer who will get in touch with the selling agent or vendor to schedule an appointment. Once conducted (assuming no problems) it takes about a fortnight to receive the mortgage offer. Barclays will send the offer to you and your conveyancers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Brough.

I am intent on selling our home in Brough and according to the buyers it appears that there is a possibility that the property was built on contaminated land. Any high street Brough lawyer would know that there is no such problem. For the life of me I don't know why the purchasers instructed a factory type conveyancing practice rather than a conveyancing solicitor in Brough. Having lived in Brough for 4 years we know of no issue. Is it a good idea to get in touch with our local Authority to get clarification that there is no issue.

It would appear that you have a conveyancing firm currently acting for you. What do they say? You should check with 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 ailment)

I'm purchasing a new build house in Brough with a mortgage from Skipton Building Society. The sellers refused to reduce the amount so I negotiated £7000 of additionals instead. The estate agent told me not reveal to my conveyancer about this extras as it will put at risk my loan 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.

What does commercial conveyancing in Brough cover?

Brough conveyancing for business premises covers a wide range of services, supplied by qualified solicitors, relating to business premises. By way of example, this type of conveyancing can cover the sale or purchase of freehold business premises or, more commonly, the transfer of existing business tenancies or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial loans and the termination of leases.

I am thinking of appointing a conveyancing practitioner in Brough for my home move. Is there any facility to see a firm’s record with the profession’s regulator?

One can review documented Solicitor Regulator Association (SRA) determinations stemming from investigations commenced on or after Jan 2008. Visit Check a solicitor's record. To find records about the period before 1 January 2008, or to check a solicitors history, call 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For callers outside the UK, use +44 (0)121 329 6800. The regulator could recorded call for training purposes.

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