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

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Recently asked questions about conveyancing in Ferryhill

We are purchasing a terrace house in Ferryhill. Our aim is to carry out an extension to the side at the property.Will legal conveyancing on the property include checks to ascertain if these alterations are permitted?

Your property lawyer will check the registered title as conveyancing in Ferryhill can on occasion identify restrictions in the title deeds which prohibit certain works or necessitated the consent of a 3rd party. Certain works require local authority planning permissions and approval in compliance with building regulations. Many areas are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. It would be sensible to check these things with a surveyor ahead of any purchase.

Please help - my lawyer says that defective lease insurance is needed on my purchase. What is the typical level of cover needed for conveyancing in Ferryhill?

The appropriate level of defective lease indemnity insurance depends on who your lender is. It would differ for example between Birmingham Midshires and Leeds Building Society. Conveyancing lawyers as opposed to borrowers take out such policies.

My offer was accepted on an apartment in Ferryhill on 5/8/2022, valuation was booked 2 days after, received a clean bill of health. Solicitor retained, so all that was missing was my mortgage offer. Having made daily calls to Leeds Building Society and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Leeds Building Society conveyancing panel. Are Leeds Building Society entitled to hold back the Mortgage pending the lawyer being on the approved list?

Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Leeds Building Society to deal with your lawyer's application to be on the Leeds Building Society conveyancing panel. There's no guarantee that your solicitor will be accepted.

Should my conveyancer be asking questions regarding flooding during the conveyancing in Ferryhill.

The risk of flooding is if increasing concern for lawyers conducting conveyancing in Ferryhill. There are those who acquire a property in Ferryhill, fully aware that at some time, it may suffer from flooding. However, leaving to one side the physical damage, where a house is at risk of flooding, it may be difficult to get a mortgage, adequate building insurance, or dispose of the property. There are steps that can be taken during the course of a property purchase to forewarn the purchaser.

Lawyers are not best placed to impart advice on flood risk, but there are a numerous searches that may be initiated by the purchaser or by their solicitors which can give them a better understanding of the risks in Ferryhill. The conventional set of completed inquiry forms given to a buyer’s conveyancer (where the Conveyancing Protocol is adopted) incorporates a usual question of the owner to find out whether the premises has suffered from flooding. In the event that flooding has previously occurred and is not revealed by the seller, then a purchaser could bring a legal claim for losses stemming from an inaccurate response. The purchaser’s lawyers may also carry out an environmental search. This will reveal if there is any known flood risk. If so, further investigations should be conducted.

My wife and I have a semi-detached Georgian property in Ferryhill. Conveyancing solicitor acted for me and Skipton Building Society. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: the first freehold, the second leasehold with the matching address. Is it worth asking Skipton Building Society to clarify?

You need to read the Freehold register you have again and check the Charges Register as there may be 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 Ferryhill and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also enquire as to the position with the conveyancing solicitor who conducted the conveyancing.

In my capacity as executor for the estate of my aunt I am selling a residence in Neath but reside in Ferryhill. My conveyancer (who is 250 kilometers from merequires that I execute a stat dec prior to the transaction finalising. Could you suggest a conveyancing lawyer in Ferryhill who can attest this legal document for me?

Technically speaking you should not need to have the documents witnessed by a conveyancing solicitor. Ordinarily or notary public or solicitor will be fine regardless of whether they are located in Ferryhill

What are my options where I am not happy with the lawyer who conducted my conveyancing in Ferryhill?

Occasionally the level of service you receive is not as you expect, and is is a fact of life that occasionally things do go wrong. However there is recourse if you were unhappy with your conveyancing in Ferryhill. This varies from trying to resolve matters directly with them, through to reporting a property lawyer to their governing body. If you remain aggrieved you may consider enlisting the help of the Legal Ombudsman.

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