It is is a decade since I bought my home in Rochdale. Conveyancing solicitors have just been instructed on the sale but I am unable to find my deeds. Is this a problem?
Don’t worry too much. First the deeds may be retained by your mortgage company or they may stored with the conveyancers who acted in the purchase. Secondly in most cases the land will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing solicitors obtaining up to date copy of the land registers. Nearly all conveyancing in Rochdale relates to registered property but in the unlikely event that your property is unregistered it adds to the complexity but is resolvable.
My fiance and I decided to purchase a purpose built flat in Rochdale with a loan from Britannia.We have a Rochdale conveyancing practitioner but Britannia says she’s not listed on their approved list of firms. It seems we have little choice but to instruct a Britannia panel solicitor or retain our high street solicitor and pay for a Britannia panel lawyer to act for them. This seems very unfair; is there anything we can do?
No, not really. The home loan offered to you contains various provisions, a common one being that conveyancers needs to be on the Britannia approved list. in the past, most banks had large numbers of solicitors on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your lawyer to apply to be on the conveyancing panel for Britannia
I just bought a house at auction in Rochdale. Conveyancing is needed. What is next?
Given that you are now legally bound yourself to purchase you should find a conveyancing solicitor soon as you are faced with a pending deadline in which to complete the deal. All auction property will have a corresponding auction set of papers. This will include the copy title deeds, local authority and drainage searches. Where you are dealing with leasehold property the conveyancing papers should contain a copy of the lease, management information and a sellers leasehold information form and other conveyancing documentation relating to a leasehold property. You should hand this to your appointed conveyancing solicitor at the earliest opportunity. Do make sure that your finances are in order to complete the transaction on the set completion date.
I am expecting a OIP from Coventry BS this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Coventry BS recommend any Rochdale solicitors on the Coventry BS conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Rochdale solicitors independently although you'll need to choose one on the Coventry BS conveyancing panel. The solicitor represents both you and Coventry BS through the process.
I have finally had an offer on an apartment in Rochdale accepted, the sellers do nevertheless have a tied purchase. The owners have offered on a property, but it’s not yet tied up, and are looking at other flats in the pipeline. I have instructed a nearby conveyancing solicitor in Rochdale. What should be my next step? At what point do I apply for the mortgage with Skipton?
It is normal to have apprehensions where there is a chain as you are unlikely to want to be too out of pocket prematurely (home loan application is approx one thousand pounds, then survey, Rochdale conveyancing search charges, etc). First, you must check that your solicitor is on the Skipton conveyancing panel. Concerning the subsequent phase this very much dictated by the uniqueness of your transaction, motivation for the property and on the state of the market. During a rising market the majority of home buyers would apply for a home loan with Skipton and pay for the valuation and only if it was satisfactory would they request their conveyancing practitioner to proceed with the conveyancing in Rochdale.
I used Arc property Solicitors a few years past for my conveyancing in Rochdale. I now require my file however cannot find the solicitor. What do I do?
You should contact the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Rochdale of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
Hoping to buy a property located in Rochdale and I am already nervous. I couldn't find anything specific about Rochdale. Conveyancing will be needed in due course but do you know about the Rochdale area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Rochdale. In the meantime here are some basic statistics that we found