My Conveyancer in Wallasey is not listed on the Halifax Approved Panel. Can I still retain my prefered solicitor even though they are not on the Halifax list of approved lawyers?

The limited options available to you here include:

1. Carry on with your preferred Wallasey solicitors but Halifax will need to retain a conveyancer on their panel. This will result in additional overall conveyancing fees as well as cause frustration.
2. Choose a new lawyer to to deal with the purchase, obviously checking they are Convince your lawyer to use their best endeavours to join the Halifax conveyancing panel

I've read lots of mortgage guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Wallasey solicitor - who is on the UBS conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?

UBS will need an independent valuation of the property. Your lawyer will not arrange this. Usually UBS will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Wallasey surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.

Skipton have agreed my mortgage in principle, my offer on a flat in Wallasey has been accepted, what happens next?

The property agent will need to know who your solicitors are (ensure that the conveyancers are on the bank’s approved list). Call up Skipton or the broker and complete any appropriate forms. Skipton will appoint a valuer who will get in contact with the estate agent or seller to arrange an appointment. Once conducted (assuming no problems) it takes approximately a week to receive the mortgage offer. Skipton will issue the offer to you and your solicitors. The legal work will then take it’s course according the nature and complexity of the conveyancing in Wallasey.

After what seems like an age I have had an offer on an apartment in Wallasey accepted, but there is a chain. The sellers have placed an offer on a flat, however it’s not yet agreed to, and are looking at other properties in the pipeline. I have selected a high street conveyancing solicitor in Wallasey. What should be my next step? At what point should I apply for the mortgage with TSB?

It is usual to have apprehensions where there is a chain as you are unlikely to want to incur expenses too early (home loan application is in the region of £1k, then valuation, Wallasey conveyancing search fees, etc). First, you should check that your property lawyer is on the TSB approved list. Concerning the next stages this very much depends on the circumstances of your transaction, motivation for this property and on the state of the market. During a hot market many purchasers will apply for a home loan with TSB and arrange for the valuation and only if it comes back ok would they request their lawyer to move forward with the conveyancing in Wallasey.

Over the last few months I have been searching for a leasehold apartment up to £305k and identified one near me in Wallasey I like with amenity areas and station in the vicinity, however it's only got 49 years unexpired on the lease. There is not much else in Wallasey in this price bracket, so just wondered if I would be making a mistake buying a lease with such few years left?

Should you need a home loan the remaining unexpired lease term will be an issue. Discount the price by the anticipated lease extension will cost if it has not already been discounted. If the existing owner has owned the premises for a minimum of 2 years you could request that they commence the lease extension formalities and then assign it to you. You can add 90 years to the existing lease term and have £0 ground rent by law. You should speak to your conveyancing lawyer concerning this matter.

I'm remortgaging my existing home to a BTL loan with Yorkshire Building Society and intend to use the remaining equity towards further house. The neighborhood we are looking at is Wallasey. Will your solicitors be able to act for both sets of mortgage companies and tie in the conveyances?

Do use our search tool on this page to be sure that the lawyers are approved by both lenders. On the basis that they are your conveyancer will be able to simultaneously deal with the two transactions but you should talk with you lawyer and communicate your desired outcome and needs.

Looking forward to complete next month on a studio apartment in Wallasey. Conveyancing lawyers have said that they report fully within the next couple of days. Are there areas in the report that I should be focusing on?

Your report on title for your leasehold conveyancing in Wallasey should include some of the following:

Additions to the flat Rent payments - how much and when is collected, and be on notice if this is subject to change Details of the parties to the lease, for example these could be the tennant, superior lessor, landlord You must be advised what constitutes a Nuisance in the lease The landlord’s rights to access the premises. You should be made aware that your landlord has rights of access as well as be informed how much notice must be provided.

Wallasey Leasehold Conveyancing - A selection of Questions you should consider before buying

Does the lease include onerous restrictions? Who are the managing agents?