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Find a Cleator Conveyancing Solictior on Your Lender’s Panel

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

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


Recently asked questions about conveyancing in Cleator

Last November we completed a house move in Cleator. We have since encountered a number of problems with the house which we believe were missed in the conveyancing searches. What action can we take? What searches should? have been carried out for conveyancing in Cleator?

The question is not clear as what problems have arisen and if they are relate to conveyancing in Cleator. Conveyancing searches and due diligence initiated as part of the legal transfer of property are carried out to help avoid problems. As part of the legal transfer of property, the vendor completes a questionnaire called a SPIF. answers ends up being inaccurate, then you may have a claim against the vendor for any losses that you have suffered. The survey should have identified any problems with the structure of the property. Assuming a detailed survey was carried out and the issues were not identified, you may have a claim against the surveyor. However, if you did not have a full survey, you may be responsible for fixing any defects that have now been noted. We would always encourage buyers to take every possible step to ensure they are completely aware of the condition of a property before purchase regardless of whether they are buying in Cleator.

What does my ID and proof of funds have anything to do with my conveyancing in Cleator? Why is this being asked of me?

Cleator conveyancing solicitors as well as nationwide property lawyers accross the UK have a duty under money laundering regulations to verify the identity of any client with a view to satisfy themselves that clients are who they say they are.

Conveyancing clients will need to supply two forms of certified ID; proof of identity (typically a Passport or Driving Licence) and proof of address (typically a Utility Bill less than 3 months old).

Evidence of source of funds is also required in accordance with the money laundering statutes as lawyers are duty bound to ensure that the money you are using to acquire a property (whether it be the deposit for exchange or the full purchase monies if you are buying mortgage free) has originated from legitimate source (such as an inheritance) as opposed to the proceeds of illegitimate behaviour.

My grandmother passed away six months ago and as sole heir and executor I was left the property in Cleator. The house had a small mortgage remaining of approximately £5k. I want to transfer the title deeds into my name whilst I re-mortgage to Clydesdale, pay off the mortgage. Is this allowed?

Where you plan to refinance then Clydesdale will insist on your using a conveyancer on the Clydesdale 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 Clydesdale 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 Clydesdale mortgage is registered as a charge at the Land Registry.

Are there restrictive covenants that are commonly identified during conveyancing in Cleator?

Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Cleator. 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…’

I'm purchasing my first flat in Cleator benefiting from help to buy. The sellers refused to move on the amount so I negotiated £7000 of additionals instead. The house builders rep told me not disclose to my solicitor about this extras as it may adversely affect my loan with the bank. Is this normal?.

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.

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