I am not in a position to travel far from Ramsbottom. I would like to know the reason why all Ramsbottom conveyancers are not on all lender panels?

Pre- 2008 most lenders had an attitude to risk which differs from the current day. The FSA in 2010 carried out a thematic review into property fraud which concluded: know the lawyers on your panel. As a result, mortgage companies have since soughtmore data from law firms about their operations and the individuals employed by them and set certain criteria such as completing a minimum amount of transactions. Many firms have found themselves excluded from lender panels even though they had an exemplary track record, no complaints and no claims and didn't just 'dabble' in conveyancing. Such firms found it impossible meet the criteria of volume of transactions the lenders insisted on.

Can I use your services to locate a Conveyancing solicitor in Ramsbottom even where I’m not purchasing or disposing of a house, for instance if I intend to buy a shop in Ramsbottom with a loan from Halifax?

Our comparison service is predominantly used to get a quote from residential conveyancing solicitors in Ramsbottom but we have recorded towards the end of this page some Ramsbottom commercial conveyancing firms. You should speak with the solicitors directly to establish if they are also authorised to represent Halifax

I am buying a semi-detached house in Ramsbottom. Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?

Leaving aside the complexities and merits of DIY conveyancing in Ramsbottom you will have to appoint a solicitor on your lender's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Ramsbottom.

My friend recommended that if I am purchasing in Ramsbottom I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?

This is a search is occasionally quoted for as part of the standard Ramsbottom conveyancing searches. It is a large report of more than thirty pages, listing and detailing important information about Ramsbottom around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Ramsbottom Education with plans and statistics, Local Amenities and other useful information about Ramsbottom.

At what point do I cover the costs of stamp duty payable for my Ramsbottom flat purchase?

The conveyancing practitioner should fill out a stamp duty return for you during your Ramsbottom conveyancing transaction for you to sign. After completion your conveyancing practitioner will submit the Land Transaction application to the Tax Authorities and - assuming they have the money - discharge any Stamp Duty due for you.