My partner and I have arranged a further advance on our mortgage from Kent Reliance as we wish to conduct a loft conversion to our house in Northamptonshire. Are we obliged to choose a high street Northamptonshire solicitor on the Kent Reliance conveyancing panel to handle the legals?
Kent Reliance would not normally instruct firms on their conveyancing panel to handle such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Kent Reliance panel.
My wife and I are in the throws of viewing apartments in Northamptonshire and I am about to put in an offer. Is it too early to have a solicitor in place? I will be getting a home loan with Skipton.
You should start requesting conveyancing estimates from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and forward their contact information on to the estate agent. As you are obtaining a mortgage with Skipton, make sure you remember to check that your lawyer is on the Skipton conveyancing panel.
I am currently in the process of buying my council flat in Northamptonshire. I have a mortgage offer with Coventry BS. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Coventry BS, you will need to appoint a solicitor on the Coventry BS conveyancing panel.
How does conveyancing in Northamptonshire differ for newly converted properties?
Most buyers of new build residence in Northamptonshire contact us having been asked by the housebuilder to exchange contracts and commit to the purchase even before the house is built. This is because builders in Northamptonshire usually acquire the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Northamptonshire or who has acted in the same development.
Over the last few months I have been searching for a flat up to £235,500 and found one near me in Northamptonshire I like with open areas and transport links in the vicinity, however it's only got 52 remaining years left on the lease. I can't really find anything else in Northamptonshire for this price, so just wondered if I would be making a mistake acquiring a short lease?
If you need a mortgage that many years may be an issue. Discount the price by the anticipated lease extension will cost if not already taken into account. If the existing proprietor has owned the property for a minimum of 2 years you could ask them to commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the existing lease term with a zero ground rent applied. You should consult your conveyancing solicitor about this.
How easy is it to use your search app to choose a conveyancing solicitor in Northamptonshire on the authorised to act for my mortgage?
First select a bank such as Barclays , Norwich and Peterborough Building Society or Britannia then choose your preferred area e.g. Northamptonshire. Conveyancing practices in Northamptonshire and further afield will then be shown.
I am 17 days into a freehold purchase having been referred to conveyancers by the estate agent to handle our conveyancing in Northamptonshire. I am not happy. Could you you assist me in finding new conveyancers?
They would need to be very bad in order to consider changing them. Has the mortgage offer been sent? In the event that it has you will need to advise them of the new contact details and ensure the offer are issued to the new lawyers. Your new solicitor ideally needs to be on the banks panel to avoid escalating costs and frustration. That should be your first question of the new lawyers. The find a solicitor tool will assist you in finding a lender approved lawyer for your home move in Northamptonshire