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Find a Charmouth Conveyancing Solictior on Your Lender’s Panel

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

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


Recently asked questions about conveyancing in Charmouth

My lawyer has identified a a legal deficiency with the lease for the apartment we are purchasing in Charmouth. The other side have suggested defective title insurance as a solution. We are happy with insurance and will cover the costs. Our lawyer has advised that he must ensure that the lender is happy with this solution. Are we the client or is the mortgage company ?

The short answer to your last question is that, notwithstanding the risk of a conflict of interest, you and the lender are the client. Your property lawyer must comply with the UK Finance Lenders’ Handbook provisions. The UK Finance Lenders’ Handbook conditions require your lawyer to disclose issues such as defects with the lease so that the bank can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected. Should you refuse to allow your lawyer to make the appropriate notification then your conveyancing practitioner will have no choice but to discontinue acting for you.

My uncle passed away six months ago and as sole heir and executor I was left the house in Charmouth. The house had a small mortgage remaining of approximately £4500. I want to have the title changed into my name whilst I re-mortgage to Nottingham, pay off the mortgage. Is this allowed?

Where you plan to re-mortgage then Nottingham will insist on your using a conveyancer on the Nottingham conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Nottingham conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Nottingham mortgage is registered as a charge at the Land Registry.

My wife and I have a terraced Georgian house in Charmouth. Conveyancing solicitor represented me and Bank of Ireland. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: one for freehold, the second leasehold under the exact same property. I thought I was buying a freehold how can I check?

You should read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Charmouth and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with lenders. You can also enquire as to the situation with your conveyancing practitioner who conducted the purchase.

In what way does the Landlord & Tenant Act 1954 impact my commercial premises in Charmouth and how can you help?

The particular law that you refer to provides security of tenure to commercial tenants, granting the right to apply to court for a new tenancy and continue in occupation when the lease reaches an end. There are certain specified grounds that a landlord can refrain from granting a lease renewal and the rules are complex. We are happy to direct you to commercial conveyancing solicitors who use the act for protection and help with commercial conveyancing in Charmouth

What advice do you have for searching for cost effective conveyancing in Charmouth?

Option 1 is to ask the people you trust who they would recommend. Second, look on the web for conveyancing in Charmouth. Call two or three from the list and ask them to send you their conveyancing quote and discuss your needs with the solicitor who will conduct your conveyancing before you make your choice. Third is to use our search tool to assist you in finding the right lawyers taking into account your unique factors including location,speed, complexity and who your intended lender is.Avoid the trap of appointing £99 conveyancing solicitors in Charmouth

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