My IFA says he needs my Haydock lawyer’ panel reference for the Santander conveyancing panel. What is the best way to discover this. I have tried my local Haydock branch but they cant find it on their system.
Have you tried speaking to your Haydock conveyancing practitioner about this?. Most Haydock conveyancing firms will keep a file or database of lender panel information which would include, if applicable, their conveyancing panel details for each mortgage company.
We are about to exchange on the purchase of a property in Haydock but as a consequence of wreckage from the recent storms I have was able negotiate recompense from the owner of £3k taking the form of a deduction in the price. I had intended this to be addressed as part of the conveyancing process but Skipton will not permit this. Should they have been approached?
Your lawyer that is on a Skipton conveyancing panel is obliged to advise Skipton of any amendments to the purchase price. If you were to refuse your conveyancer to notify the reduction to Skipton then they would have to discontinue acting for you. In addition, Skipton and you would have to appoint a new conveyancer for your conveyancing in Haydock.
It is is a decade since I bought my property in Haydock. Conveyancing lawyers have recently been instructed on the sale but I am unable to track down the title documents. Will this jeopardise the sale?
You need not be too concerned. Firstly there is a chance that the deeds will be retained by your lender or they could be in the possession of the solicitor who handled your purchase. Secondly the likelihood is that the property will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers procuring current official copies of the land registers. Almost all conveyancing in Haydock involves registered property but in the rare situation where your home is not registered it adds to the complexity but is not insurmountable.
I decided to have a survey done on a house in Haydock ahead of instructing conveyancers. I have been advised that there is a flying freehold aspect to the property. My surveyor advised that some banks will not issue a mortgage on this type of house.
It varies from the lender to lender. Bank of Scotland has different instructions for example to Birmingham Midshires. Should you wish to telephone us we can check with the relevant bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Haydock. Conveyancing will be smoother if you use a solicitor in Haydock especially if they are accustomed to such properties in Haydock.
Do I have to attend the offices of the mortgage company conveyancing panel solicitor to execute the mortgage deed? If so, I will choose one who does conveyancing in Haydock so that I can pop in to their offices if necessary.
Whereas this was necessary 12 years ago, most lenders no longer require their conveyancing panel solicitor to witness the borrowers signature. You will still be obliged to provide ID Documents and there are still distinct advantages to using a local solicitor, in your case a conveyancing solicitor in Haydock.