My fiance and I are looking to purchase a house in Hornsea and have appointed a Hornsea conveyancing practice. Within the past 48 hours our solicitor has sent a preliminary report and documents to look through with a view to exchanging next week. Aldermore have this evening contacted us to advise us that they have now hit a problem as our Hornsea solicitor is not on their approved list of lawyers. Is this a problem?

When purchasing a property with mortgage finance it is standard for the purchasers' lawyers to also represent the purchaser's lender. In order to act for a bank or building society a law firm has to be on that lender's conveyancing panel. An application has to be made by the law firm to the lender to become a member of the lender's panel and there are increasingly strict criteria which the firm has to satisfy and indeed some lenders now require their panel members to be part of the Law Society’s Conveyancing Accreditation Scheme. Your solicitor should contact your bank and see if they can apply for membership of their conveyancing panel, but if that is not viable they will instruct their own lawyers to represent them. You don't have to instruct a firm on the lender’s conveyancing panel as you are at liberty to use your preferred Hornsea lawyers, in which case your legal fees may increase, and it will likely delay the transaction as you are adding another lawyer into the mix.

Do the conveyancing solicitors Indexed on your site handle auction conveyancing in Hornsea?

There are a number of niche solicitors we can put you in touch with those specialising in auction conveyancing. Hornsea is one of the many areas of where our lawyers cover.

As I am unsure how the conveyancing bit works what is the most important advice you can impart concerning purchase conveyancing in Hornsea?

You may not hear this from too many lawyers but conveyancing in Hornsea or throughout East Yorkshire is an adversarial process. In other words, when it comes to conveyancing there is lots of room for confrontation between you and others involved in the legal transfer of property. E.g., the vendor, property agent and sometimes the bank. Appointing a lawyer for your conveyancing in Hornsea an important selection as your conveyancer is your adviser, and is the ONLY party in the process whose interest is to look after your legal interests and to keep you safe.

Sometimes a third party with a vested interest may attempt to persuade you that you should follow their advice. For instance, the selling agent may claim to be helping by claiming that your solicitor is dragging his heels. Or your financial adviser may try to convince you to do something that is contrary to your conveyancers advice. You should always trust your lawyer above all other parties when it comes to the legal transfer of property.

How do I identify a Hornsea solicitor on the Coventry Building Society conveyancing panel? I have wheels and am happy to travel upto 25kilometers to meet the lawyer.

Feel free to make use of the facility on this page. Please select a bank and your location and you will see a number of Hornsea conveyancing lawyers located nearest you. We have detailed some Hornsea conveyancing firms at the bottom of this page and you can call them to check if they are on the Coventry Building Society member panel

Last April I purchased a leasehold property in Hornsea. Do I have any liability for service charges for periods before completion of my purchase?

In a situation where the service charge has already been demanded from the previous owner and they have not paid you would not usually be personally liable for the arrears. However, your landlord may still be able to take action to forfeit the lease. A critical element of leasehold conveyancing for your conveyancer to ensure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.

If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).

Hornsea Leasehold Conveyancing - Sample of Queries before Purchasing

This information is useful as a) areas could cause problems for the building as the communal areas may begin to deteriorate where maintenance are not paid for b) if the leaseholders have an issue with the running of the building you will want to have complete disclosure It would be sensible to investigate if there is anything that is prohibited in the lease. By way of example plenty of leases prohibit pets being permitted in certain buildings in Hornsea. If you like the flatin Hornsea but your dog is not allowed to live with you then you will be presented with a difficult determination.