We are planning to acquire a property and need a conveyancing solicitor in Whitehaven who is on the Nottingham approved panel. Could you point me in the right direction as regards a solicitor?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Nottingham . We don't recommend any particular firms conducting conveyancing in Whitehaven.
I had a mortgage agreed in principle with Virgin Money. Whitehaven conveyancing solicitors were chosen. How long does it take for Virgin Money to send the offer to the conveyancing practitioner?
Some lenders take longer than others. Have Virgin Money completed the survey? Have you advised Virgin Money as to your lawyers' details and checked that your lawyers are on the Virgin Money conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
Intending to buy a flat in Whitehaven. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the TSB conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Whitehaven conveyancing practitioner is on the TSB conveyancing panel.
Having digested plenty of house buying guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Whitehaven solicitor - who is on the Lloyds conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Lloyds will need an independent valuation of the property. Your lawyer will not arrange this. Usually Lloyds 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 Whitehaven 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.
Me and my brother purchased a renovated Georgian property in Whitehaven. Conveyancing lawyer acted for me and Virgin Money. I did a free Land Registry search last week and there are two entries: one for freehold, the second leasehold under the exact same property. If a house is not a freehold shouldn't I have been informed?
You need to read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Whitehaven and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also question the position with your conveyancing solicitor who completed the work.
I'm purchasing my first flat in Whitehaven with the aid of help to buy. The sellers refused to move on the price so I negotiated 6k of extras instead. The estate agent advised me not disclose to my conveyancer about this deal as it could put at risk my loan with Nationwide Building Society. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I am buying a ground floor flat in Whitehaven. Conveyancing solicitor is waiting for, from the vendor, building insurance schedule. This afternoon I was informed that the seller needs to send the insurance paperwork for the flat above in addition. Why would my solicitor need to check the insurance for the other flat? Is it strictly necessary? We have been stalled for the previous 4 weeks…
It is not impossible in leasehold conveyancing in Whitehaven to find Conveyancing in Whitehaven in a minority of cases reveals that the lease provides for the leasehold owners to insure their individual flats as opposed to the landlord insuring the complete property - which is definitely preferable. You should contact your property lawyer but it would appear that your solicitor is attempting to verify that the entire building is insured. Insuring a ground floor residence is no help when it comes to rebuilding after a fire if the other flat cannot be reconstructed as a result of lack of insurance cover.