Find a Stockton Heath Conveyancing Solictior on Your Lender’s Panel

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

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

Recently asked questions about conveyancing in Stockton Heath

My wife and I purchasing a end of terrace house in Stockton Heath. We would like to an extension at the rear at the property.Will the conveyancing process include checks to ascertain if these works are permitted?

Your conveyancer will review the deeds as conveyancing in Stockton Heath will occasionally identify restrictions in the title deeds which prohibit categories of changes or necessitated the consent of another owner. Many extensions need local authority planning permissions and approval in compliance with building regulations. Many areas are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. You should check these issues with a surveyor ahead of any purchase.

Are all Stockton Heath Conveyancing Quality Solicitors on the Bank of Ireland conveyancing list of approved practices?

A selection of banks and building societies now use CQS as the kick off point for Panel membership such as HSBC and Santander. CQS membership however is no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for solicitor practices wishing to join their approved list of conveyancing solicitors.

I was told two weeks ago that my mortgage has been agreed to by Kent Reliance. Is it usual for Kent Reliance to only issue the offer once my solicitor in Stockton Heath is approved on their conveyancing panel? Kent Reliance have asked my solicitor to see a copy of their Professional Indemnity Insurance Schedule.

A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Kent Reliance to deal with your lawyer's application to be on the Kent Reliance conveyancing panel. There's no guarantee that your solicitor will be accepted.

Various web forums that I have frequented warn that are the primary reason for hinderance in Stockton Heath conveyancing transactions. Is this right?

The Council of Property Search Organisations (CoPSO) released conclusions of research by MoveWithUs that conveyancing searches do not feature amongst the top 10 causes of delays in the conveyancing process. Local searches are unlikely to be the root cause of holding up conveyancing in Stockton Heath.

Due to the guidance of my in-laws I had a survey completed on a property in Stockton Heath ahead of retaining lawyers. I have been told that there is a flying freehold overhang to the property. Our surveyor advised that some mortgage companies will refuse to give a mortgage on a flying freehold house.

It depends who your proposed lender is. Bank of Scotland has different instructions from Birmingham Midshires. Should you wish to telephone us we can check with the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Stockton Heath. Conveyancing will be smoother if you use a solicitor in Stockton Heath especially if they are accustomed to such properties in Stockton Heath.

Is it possible to switch solicitor as I have to select a firm on the Yorkshire Building Society conveyancing list. I hired a high street conveyancing solicitor in Stockton Heath round the corner but the firm is not accepted by Yorkshire Building Society

We will our best to assist in finding you a conveyancing solicitor in Stockton Heath on the Yorkshire Building Society panel. Please note that the solicitors that we on the directory do not pay us fee if you instruct them and are authorised and regulated by the SRA who regulate all conveyancing solicitors in Stockton Heath. Using search facility on this page, you can compare and instruct different solicitors and conveyancers both nationally and in Stockton Heath.

My wife and I purchased a leasehold flat in Stockton Heath. Conveyancing and Bank of Ireland mortgage organised. I have received a letter from someone saying they have taken over the reversionary interest in the property. Attached was a demand for arrears of ground rent dating back to 1993. The conveyancing practitioner in Stockton Heath who previously acted has now retired. Do I pay?

First make enquiries of the Land Registry to make sure that this person is indeed the new freeholder. You do not need to incur the fees of a Stockton Heath conveyancing solicitor to do this as you can do this on the Land Registry website for £3. You should note that in any event, even if this is the legitimate landlord, under the Limitation Act 1980 no more than 6 years of rent can be collected.

Stockton Heath Conveyancing for Leasehold Flats - Sample of Queries before buying

    The majority of Stockton Heath leasehold properties will have a service charge for the upkeep of the block set by the freeholder. Should you purchase the property you will have to meet this charge, usually quarterly during the year. This can vary from a few hundred pounds to thousands of pounds for buildings with lifts and large communal grounds. There will also be a rentcharge to be met annual, normally this is not a significant amount, say approximately £25-£75 but you need to check as occasionally it could be many hundreds of pounds. Best to be warned if fixing the lift or some other major work is pending to be shared between the leasehold owners and may well materially increase the the maintenance fees or require a one off payment. The answer will be useful as a) areas can cause problems for the building as the common areas may begin to deteriorate where repairs are not paid for b) if the leasehold owners have a dispute with the managing agents you will need to have complete disclosure

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Find out more about how flying freehold can affect your the value of a property.