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Find a Radcliffe Conveyancing Solictior on Your Lender’s Panel

Ready to buy a new home in Radcliffe? Failing to check that a lawyer is on your lender’s list of approved solicitors can put your Radcliffe conveyancing at risk of delay or failure.

Only LenderPanel.com provides a subset of authorised Radcliffe conveyancers for over 130 lenders.


Recently asked questions about conveyancing in Radcliffe

I am buying an apartment in Radcliffe. My Solicitor has never been on on the bank approved panel. Can I still continue with my Radcliffe conveyancing solicitor even though they are not on the bank panel?

One must instruct a property lawyer to complete the legal work required when you take out a mortgage to buy your property. The property lawyer will conduct all the relevant legal checks on the property, make sure that you will be registered as proprietor and ensure that all the required mortgage documentation is dealt with. You could instruct a Radcliffe conveyancing practitioner of your choice. Nevertheless, where the conveyancing practitioner appointed is not on the mortgage company approved list further costs will be incurred as separate legal representation will be required by them. Conveyancing panel applications may be submitted, so if your solicitor has not previously applied for membership they should take the opportunity to apply.

All was ready to move into my new home in Radcliffe next Thursday. I have now been asked to send a copy of my building insurance schedule by my solicitor as as she informs me that she is duty bound to validate that it is in order for the bank. What does the insurance need to cover?

All property lawyers on acting for lenders would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in a lender’s UK Finance Lenders’ Handbook instructions. These requirements are not unique to conveyancing in Radcliffe.

My uncle passed away six months ago and as sole heir and executor I was left the house in Radcliffe. The house had a small mortgage remaining of approximately £5k. I want to have the title changed into my name whilst I re-mortgage to Leeds Building Society, pay off the mortgage. Is this allowed?

Given you intend to re-mortgage then Leeds Building Society will require that you use a conveyancer on the Leeds Building Society conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Leeds Building Society conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Leeds Building Society mortgage is registered as a charge at the Land Registry.

My wife and I have a renovated Victorian house in Radcliffe. Conveyancing lawyer represented me and Santander. I did a free Land Registry search last week and I saw a couple of entries: the first freehold, another for leasehold with the matching address. I'd like to know for sure, how can I find out??

You should assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Radcliffe and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the situation with the conveyancing solicitor who conducted the work.

My business partner and I are looking to lease a unit on the high street. Can you recommend lawyers offering fixed charges for commercial conveyancing in Radcliffe for less than 2k?

We are happy to recommend firms who host a wealth of experience of commercial conveyancing in Radcliffe, including the sale and acquisition of businesses as well as simply property. Whether you are hoping to buy or lease a shop, pub, restaurant, office, retail unit or a complete business we can put you in touch with the right solicitor. Regarding the costs this will depend on the structure and complexity of the deal. Let us have your contact information or call so as to enable us to furnish you with a detailed commercial conveyancing quote.

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