My partner and I are nearing an exchange on a flat in Harrogate and my mum and dad have transferred the ten percent deposit to my lawyer. I am now told that as the deposit has not come from me my property lawyer needs to disclose this to my mortgage company. Apparently, in also acting for the bank he must inform them that the balance of the purchase price is not just from me. I disclosed to the mortgage company about my parents' contribution when I applied for the home loan, so is it really appropriate for him to raise this?
The conveyancing practitioner is obliged to check with the bank to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only disclose this to your bank if you agree, failing which, your lawyer must cease to continue acting.
We are planning to acquire a property and need a conveyancing solicitor in Harrogate who is on the Clydesdale conveyancing panel. Could you point me in the right direction as regards a solicitor?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Clydesdale . We don't recommend any particular firms conducting conveyancing in Harrogate.
How do I discover of the solicitor handling my conveyancing in Harrogate is on the lender’sconveyancing panel? I am looking to avoid the situation of having one lawyer for me and one for Platform Home Loans Ltd thus paying £187.00 plus VAT in additional legal charges.
Please do take advantage of the find a conveyancing panel solicitor tool on this web page. Please choose the mortgage company and type ‘Harrogate’ or your location and you will be presented with numerous solicitors offices in Harrogate or by proximity to you.
My wife and I buying a victorian detached house in Harrogate. Our aim is to carry out an extension to the side at the property.Will legal due diligence on the property involve enquiries to see if these alterations are allowed?
Your solicitor will check the registered title as conveyancing in Harrogate can sometimes reveal restrictions in the title documents which restrict certain works or necessitated the permission of another owner. Many works need local authority planning consent and approval under the building regulations. Certain locations are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. You should check these issues with a surveyor before you commit yourself to a purchase.
I have a mortgage with Bank of Ireland for my property in Harrogate. Conveyancing has been completed some time ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Bank of Ireland?
Your original mortgage agreement with Bank of Ireland will provide that you need their approval prior to renting your property as this is likely to be a breach of Bank of Ireland’s mortgage conditions. It may be that Bank of Ireland will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Bank of Ireland directly. It should not be necessary to do this via a Bank of Ireland conveyancing panel lawyer.
Leeds Building Society have agreed my home loan in principle, my offer on a flat in Harrogate has been agreed to, what happens next?
Your estate agent will wish to know who your solicitors are (ensure that the solicitors are on the lender’s panel). Contact Leeds Building Society or the financial adviser and finalise any relevant paperwork. Leeds Building Society will appoint a valuer who will get in touch with the selling agent or seller to schedule a slot for the valuation to take place. Once carried out (assuming no problems) it takes on average ten days to get a mortgage offer. Leeds Building Society will issue the offer to you and your solicitors. The transaction will then take it’s course according the nature and complexity of the conveyancing in Harrogate.
As co-executor for the will of my grandmother I am disposing of a property in Cardiff but I am based in Harrogate. My conveyancer (approximately 300 miles awayhas requested that I sign a stat dec ahead of completion. Can you recommend a conveyancing lawyer in Harrogate to witness and place their company stamp on the document?
Technically speaking you should not be required to have the documents attested by a conveyancing solicitor. Normally or notary public or solicitor will do regardless of whether they are located in Harrogate