I am expecting a mortgage offer from Santander. I hope to employ the services of a Licensed Conveyancer in Nantwich. Does the Santander Solicitor panel allow for Licensed Conveyancers?
The Santander conveyancing panel is, like many other lenders, represented by the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
Can your site be used to find a Conveyancing solicitor in Nantwich even if I’m not purchasing or selling a house, for instance if I want to buy a shop in Nantwich with a loan from HSBC Bank?
Our search tool is primarily there to locate domestic conveyancing solicitors in Nantwich but we have recorded at the end of this page a few Nantwich commercial conveyancing firms. You should enquire with the company directly to see if they can also act for HSBC Bank
Please explain the implications if my lawyer’s firm is removed from the Barclays Solicitor panel ahead of completing my conveyancing in Nantwich?
The first thing to point out is that, this is a very rare occurrence. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have to instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by a regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit at a cost.
I am assisting my niece sell her flat in Nantwich. Will the conveyancing solicitor commission an EPC or it is for the owner to see to?
Following the demise of HIPs, energy performance certificates was maintained a mandatory element of moving property. An energy assessment needs to be commissioned in advance of the property being advertised. It is not as aspect of the sale process that conveyancers ordinarily organise. Where you are instructing a Nantwich conveyancing solicitor they might be willing to arrange energy performance certificates due to their contacts with long established Nantwich accredited person
Have just purchased a probate house at auction in Nantwich. Conveyancing is required. What happens now?
Given that you are now for all intents and purposes signed on the dotted line you should find a conveyancing solicitor as a matter of urgency as you now have a pending a fixed date to complete the transaction. All auction property will have a corresponding auction set of papers. This will likely include the copy title deeds, local authority and drainage searches. If you have purchased leasehold premises the legal papers should include a copy of the lease, management information and a sellers leasehold information form and associated conveyancing paperwork pertinent to a leasehold property. You need to hand this to your appointed conveyancing solicitor as soon as possible. You also need to ensure that that you have the requisite funding in order to complete on the on the contractual date .
I've read lots of mortgage guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Nantwich solicitor - who is on the Barclays conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Barclays will need an independent valuation of the property. Your lawyer will not arrange this. Usually Barclays will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Nantwich surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
My partner and I may need to sub-let our Nantwich basement flat temporarily due to taking a sabbatical. We instructed a Nantwich conveyancing firm in 2003 but they have closed and we did not have the foresight to seek any advice as to whether the lease prohibits the subletting of the flat. How do we find out?
Some leases for properties in Nantwich do contain a provision to say that subletting is only allowed with permission. The landlord cannot unreasonably withhold but, in such cases, they would need to see references. Experience suggests that problems are usually caused by unsatisfactory tenants rather than owner-occupiers and for that reason you can expect the freeholder to take up the references and consider them carefully before granting permission.
Leasehold Conveyancing in Nantwich - Sample of Questions you should ask before buying
Does the lease contain onerous restrictions? Make sure you find out if there is anything that is prohibited in the lease. By way of example it is very common in Nantwich leases that pets are not permitted in certain buildings in Nantwich. If you love the flatin Nantwich however your dog is not allowed to make the move with you then you have a very difficult decision. You should be aware that where the lease has no more than 80 years it will have adverse implications on the salability of the property. It is worth checking with your bank that they are willing to lend given the lease term. Leases with less than 80 years remaining means that you will almost definitely have to extend the lease at some point and you need to have some idea of how much this will be. Remember, in most cases you will need to own the property for a couple of years in order to be entitled to extend the lease.