I am considering refinancing my home in Chorley and Eccleston, does my lawyer have to be on the Clydesdale Solicitor panel?
There is nothing to stop you using your solicitor, but Clydesdale will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.
This question may be naive but I am unexperienced as FTB of a garden flat in Chorley and Eccleston. Do I collect the keys to the property on the completion date from my conveyancer? If this is the case, I will instruct a local conveyancing solicitor in Chorley and Eccleston?
On the day of completion you do not need to go to the conveyancers office in Chorley and Eccleston. Your solicitors will electronically transfer the completion advance to the owner’s lawyers, and shortly after the monies have arrived, you should be invited to receive the keys from the selling Agents and move into your new home. This tends to happen between 1 and 3pm.
I have decided to exercise my right to buy my property in Chorley and Eccleston off the council. I have a mortgage agreed with Skipton. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Skipton, you will need to appoint a solicitor on the Skipton conveyancing panel.
I can not work out if my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called into my local Chorley and Eccleston building society branch on a couple of occasions and was told it does not impact the mortgage offer and they will lend. My Chorley and Eccleston conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned and was told they refuse to lend based on their specific requirements. I have no idea who is right.
The solicitor has to comply with the Council of Mortgage Lenders’ Handbook section two specifications for your lender. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.
I have justbecome aware that Wolstenholmes have closed. They conducted my conveyancing in Chorley and Eccleston for a purchase of a leasehold apartment 18 months ago. How can I establish that my home is not still registered in the name of the previous owner?
The quickest method to check if the property is in your name, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Chorley and Eccleston conveyancing specialists.
Yesterday I discovered that there is a flying freehold element on a property I put an offer in last month in what should have been a simple, chain free conveyancing. Chorley and Eccleston is the location of the property. What do you suggest?
Flying freeholds in Chorley and Eccleston are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Chorley and Eccleston you must be sure that your lawyer goes through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Chorley and Eccleston may ascertain 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 residence.
We have just found out that one of the directors of the firm undertaking the purchase conveyancing in Chorley and Eccleston is an aunty of the owners that we are buying from. Is this permitted?
On the basis that no conflict arises this is permitted. Where you are requiring mortgage finance then the bank may have a say as many lenders have specific instructions on this. For example for RBS - Direct Line One as of 11/1/2026, the requirements read as follows :