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Find a Charlbury Conveyancing Solictior on Your Lender’s Panel

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

Only LenderPanel.com provides a subset of authorised Charlbury conveyancers for over 130 lenders.


Recently asked questions about conveyancing in Charlbury

I am getting a offer of a home loan from Halifax. I intend to retain the legal services of a Licensed Conveyancer in Charlbury. Does the Halifax Solicitor panel exclude Licensed Conveyancers?

The Halifax conveyancing panel is, like many other lenders, associated to the CML or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.

I am the registered owner of a freehold property in Charlbury but nevertheless charged rent, why is this and what is this?

It is rare for properties in Charlbury and has limited impact for conveyancing in Charlbury 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 have existed for many centuries, but the Rent Charge Act 1977 barred the generation of new rentcharges post 1977.

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

What is the difference between a licensed conveyancer and conveyancing solicitor in Charlbury

There are many recorded licenced Conveyancers in Charlbury and Solicitor firms in Charlbury to choose from It is important to make clear that both are supervised by regulatory bodies with both specialising in the legal work in transferring property. The two can handle associated property related work such as remortgage conveyancing, lease extensions and transfer of equity conveyancing.

When it comes to lenders such as Santander, do Charlbury conveyancers have to pay a yearly amount to be on the conveyancing panel?

We are unaware of any mortgage company fees to be on their panel, although some do charge an administration fee to deal with the processing of the conveyancing panel submission.

My sealed bid on a semi in Charlbury has been accepted, but there is a chain. The owners have placed an offer on a property, however it’s not yet tied up, and have viewings of other properties booked. I have chosen a nearby conveyancing solicitor in Charlbury. What should be my next step? When should I get the mortgage application with Principality started?

It is usual to have anxieties 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, Charlbury conveyancing search fees, etc). First, you should check that your conveyancing practitioner is on the Principality approved list. Regarding the next stages this very much depends on the uniqueness of your transaction, desire for the property and on the state of the market. During a buoyant market some purchasers would apply for the mortgage with Principality and pay for the valuation and only if it was satisfactory would they ask their solicitor to proceed with searches.

I have been on the look out for a flat up to £235,500 and identified one near me in Charlbury I like with amenity areas and railway links nearby, the downside is that it's only got 51 years on the lease. There is not much else in Charlbury in this price bracket, so just wondered if I would be making a mistake buying a short lease?

If you need a mortgage the shortness of the lease will be problematic. Discount the price by the anticipated lease extension will cost if it has not already been discounted. If the current proprietor has owned the premises for at least 2 years you may request that they commence the lease extension formalities and pass it to you. You can add 90 years to the existing lease with a zero ground rent applied. You should consult your conveyancing lawyer regarding this matter.

How do I use the search app to locate a conveyancing lawyer in Charlbury on the approved list for my bank?

Step one is to pick a bank such as Santander, The Mortgage Works or Clydesdale then type in your preferred area for instance Charlbury. Conveyancing organisations in Charlbury and nationally will then be listed.

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