I'm in the throws of looking at flats in Chadderton and I am about to put in an offer. Should I already have a property lawyer in place at this stage? I intend to finance via a mortgage with Leeds Building Society.
It would be sensible to instigate your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and forward their contact information on to the estate agent. Given that you are obtaining a mortgage with Leeds Building Society, ask your prospective lawyers if they are on the Leeds Building Society conveyancing panel otherwise they can't do the mortgage legal work.
After weeks of negotiation I have agreed a price on an apartment in Chadderton. My mortgage broker recommended their conveyancers. I paid an advanced payment of £175. Shortly after, the conveyancing practitioner called me to say that they were not on the Leeds Building Society conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Leeds Building Society panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
My sealed bid on a house in Chadderton has been agreed to, but there is a chain. The sellers have placed an offer on a flat, however it’s not yet tied up, and are looking at other properties in the pipeline. I have chosen a nearby conveyancing solicitor in Chadderton. What should be my next step? At what point should I apply for the mortgage with Leeds Building Society?
It is normal to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (home loan application is in the region of £1k, then survey, Chadderton conveyancing search charges, etc). First, you should ensure that your solicitor is on the Leeds Building Society approved list. Regarding the subsequent phase this very much dictated by the circumstances of your transaction, motivation for the property and on the state of the market. In a rising market the majority of purchasers will apply for a home loan with Leeds Building Society and arrange for the valuation and only if it was satisfactory would they pay their solicitor to press on with searches.
I am close to exchanging contracts on the sale of our house in Chadderton and the buyers lawyers are claiming that there is a risk of it being constructed on contaminated land. A high street Chadderton conveyancer would know that there is no such problem. For the life of me I don't know why the buyers are using an online conveyancing practice as opposed to a conveyancing solicitor in Chadderton. Having lived in Chadderton for many years we know of no issue. Should we get in touch with our local Authority to obtain clarification need.
It sounds as though you may have a conveyancing firm already. What do they say? You must enquire of 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 life insurance to cover that same ailment)
Are there restrictive covenants that are commonly picked up during conveyancing in Chadderton?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Chadderton. 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…’
Yesterday I discovered that there is a flying freehold issue on a house I have offered on two weeks back in what should have been a straight forward, no chain conveyancing. Chadderton is where the house is located. Can you offer any assistance?
Flying freeholds in Chadderton are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Chadderton you must be sure that your lawyer goes through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Chadderton may determine 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 premises.
I am four weeks into a freehold purchase having been directed to a firm by the estate agent to carry out the conveyancing in Chadderton. We are not happy. Could you you assist me in finding new solicitors?
They would have to be very poor in order to consider diss instructing them. Has your mortgage offer been generated? In the event that it has you will need to make them aware of the replacement conveyancer and ensure the loan are re-sent. The conveyancer should be on the mortgage company panel to avoid supplemental charges and delays. So that should be your starting point. Our find a solicitor tool will assist you in finding a bank approved lawyer for your conveyancing in Chadderton