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Find a Whitehaven Conveyancing Solictior on Your Lender’s Panel

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

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Recently asked questions about conveyancing in Whitehaven

A relative pointed out to me me that in buying a property in Whitehaven there may be various restrictions as to what one can do in terms of external changes to the property. Is this right?

There are anumerous of properties in Whitehaven which have some sort of restriction or requirement of consent to external changes. Part of the conveyancing in Whitehaven should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.

I currently have a mortgage with Virgin Money for my property in Whitehaven. Conveyancing was finalised months ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Virgin Money?

Virgin Money must be informed of your intention in advance of renting your property as this is likely to be a breach of Virgin Money’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Virgin Money directly. You need not do this via a Virgin Money conveyancing panel solicitor.

UBS have agreed my mortgage in principle, my offer on a property in Whitehaven has been accepted, now what?

The property agent will want to know who your solicitors are (make sure the conveyancers are on the lender’s panel). Call up UBS or the broker and finish off any relevant paperwork. UBS will instruct a valuer who will get in contact with the estate agent or seller to arrange a slot for the valuation to take place. Once carried out (assuming no problems) it takes approximately a fortnight for the mortgage offer to be issued. UBS will issue the offer to you and your conveyancers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Whitehaven.

My partner and I are close to exchanging contracts on the sale of our house in Whitehaven and the buyers lawyers are claiming that there is a risk of it being built on contaminated land. Any local conveyancer would know that there is no such problem. For the life of me I don't know why the buyers are using a national conveyancing outfit as opposed to a conveyancing solicitor in Whitehaven. We have lived in Whitehaven for many years we know that this is a non issue. Do we contact our local Authority to seek confirmation need.

It would appear that you have a conveyancing firm currently acting for you. What do they say? You must check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same illness)

It has been five months since my purchase conveyancing in Whitehaven took place. I have checked the Land Registry site which shows that I paid £150,000 when infact I paid £160,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the asset from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

How does conveyancing in Whitehaven differ for newly converted properties?

Most buyers of new build residence in Whitehaven contact us having been asked by the seller to exchange contracts and commit to the purchase even before the house is completed. This is because builders in Whitehaven tend to acquire the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Whitehaven or who has acted in the same development.

Estate agents have just been given the go-ahead to market my ground floor apartment in Whitehaven. Conveyancing solicitors are to be appointed soon, but I have recently had a quarterly maintenance charge demand – Do I pay up?

The sensible thing to do is clear the service charge as you normally would because all rents and maintenance payments will be allotted as part of the financial calculations for completion monies, so you will be reimbursed by the purchaser for the period running from after the completion date to the subsequent invoice date. Most management companies will not acknowledge the buyer until the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. Having a clear account will assist your cause and will leave you no worse off financially.

Whitehaven Leasehold Conveyancing - A selection of Questions you should ask Prior to Purchasing

    Many Whitehaven leasehold flats will be liable to pay a service bill for the upkeep of the block set on behalf of the freeholder. Where you acquire the apartment you will have to pay this liability, normally in instalments during the year. This could be anything from two or three hundred pounds to thousands of pounds for bigger purpose-built blocks. There will also be a ground rent to be met yearly, normally this is not a significant figure, say about £25-£75 but you need to check it because occasionally it could be many hundreds of pounds. Best to be warned whether fixing the lift or some other significant cost is coming up to be shared amongst the leasehold owners and could well materially impact the level of the maintenance fees or result in a one time payment.

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