Our Cleckheaton conveyancer has uncovered an inconsistency between the surveyor’s assumptions in the home valuation report and what is in the title deeds. My solicitor informs me that he is duty bound to check that the bank is OK with this discrepancy and is still content to lend. Is my conveyancer’s stance legitimate?
Your conveyancing practitioner must comply with the UK Finance Lenders’ Handbook specifications which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.
Can your site be used to find a Conveyancing solicitor in Cleckheaton even where I’m not purchasing or disposing of a house, for example if I wish to buy a shop in Cleckheaton with a mortgage from TSB?
The service is mainly used to select residential conveyancing solicitors in Cleckheaton but we have listed towards the end of this page a selection of Cleckheaton commercial conveyancing firms. You should enquire with the firm directly to establish if they can also act for TSB
We are close to exchanging contracts on the sale of our home in Cleckheaton and the buyers lawyers are claiming that there is a risk of it being constructed land that was not decontaminated. A local lawyer would know this is not the case. It does beg the question why the purchasers used a factory type conveyancing outfit as opposed to a conveyancing solicitor in Cleckheaton. Having lived in Cleckheaton for six years we know that this is a non issue. Is it a good idea to contact our local Authority to get clarification that there is no issue.
It would appear that you have a conveyancing lawyer currently acting for you. 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 health insurance to cover that same ailment)
Due to the advice of my in-laws I had a survey completed on a house in Cleckheaton ahead of appointing lawyers. I have been informed that there is a flying freehold element to the property. Our surveyor has said that some lenders will not grant a loan on this type of home.
It depends who your proposed lender is. HSBC has different requirements from Nationwide. If you e-mail us we can check with the relevant bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Cleckheaton. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Cleckheaton to see if the conveyancing will be more expensive.
Should I be suspicious about estate agents that I am dealing with are encouraging me to use a factory type conveyancing firm as opposed to a High Street Cleckheaton conveyancing firm?
As with lots of service providers, often suggestions from relatives can be extremely useful or valuable. Nevertheless there are lots of players in a conveyancing matter; estate agents, mortgage brokers and lenders may put forward solicitors to select. On occasion these solicitors might be known to one of the organisations as one of the best in their field, but sometimes there behind the scenes financial incentive behind the recommendation. You have the right to select your own conveyancer. However, bear in mind that most lenders specify a panel list of law firms you are obliged to use for the mortgage related work in your conveyancing.