Can you point me to a directory of RBS panel solicitors in Whitehaven on the UK Finance Lenders’ Handbook Website?
Unfortunately not yet. There is no such facility on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings visible over the internet. If you are in need of a Whitehaven lawyer on the RBS please use our facility.
We previously appointed conveyancers located in Whitehaven on the Clydesdale solicitor panel. They are now charging me a separate sum for the legal aspects of the Clydesdale mortgage. Is this an additional conveyancing fee specified by Clydesdale?
Provided it is contained in their Terms and Conditions or Quote then yes your solicitor can levy a fee for this. This fee is not dictated by Clydesdale but by your Whitehaven property lawyer. Numerous firms on the Clydesdale panel will levy ’dealing with mortgage’ fee but plenty of firms include it on their overall fee.
I am expecting a DIP from UBS this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do UBS recommend any Whitehaven solicitors on the UBS conveyancing panel, or is it better to go independently?
You will need to appoint Whitehaven solicitors independently although you'll need to choose one on the UBS conveyancing panel. The solicitor represents both you and UBS through the process.
Me and my brother purchased a semi-detached Victorian house in Whitehaven. Conveyancing practitioner acted for me and Leeds Building Society. I happened to do a free search for it on the Land Registry database and there are two entries: one for freehold, the second leasehold with the matching address. I thought I was buying a freehold how can I check?
You should review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Whitehaven and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also question the situation with the conveyancing lawyer who completed the work.
What does commercial conveyancing in Whitehaven cover?
Non domestic conveyancing in Whitehaven incorporates a wide array of advice, provided by qualified solicitors, relating to business premises. For example, this area of conveyancing can cover the sale or purchase of freehold business premises or, more commonly, the transfer of existing business tenancies or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial loans and the termination of leases.
What are your top tips when it comes to appointing a Whitehaven conveyancing practice to deal with our lease extension?
If you are instructing a property lawyer for your lease extension (regardless if they are a Whitehaven conveyancing practice) it is most important that they be familiar with the legislation and specialises in this area of conveyancing. We suggest that you talk with several firms including non Whitehaven conveyancing practices before you instructing a firm. Where the conveyancing practice is ALEP accredited then that’s a bonus. The following questions might be of use:
If they are not ALEP accredited then why not? What are the costs for lease extension conveyancing?
Whitehaven Conveyancing for Leasehold Flats - Sample of Questions you should consider Prior to Purchasing
How much is the ground rent and service charge? Generally speaking the outlay for major works tend not to be wrapped into the maintenance charges, albeit that a few managing agents in Whitehaven ask tenants to pay into a sinking fund created for the specific intention of establishing a fund for major repairs or maintenance. Is the freehold reversion owned jointly by the leaseholders?
My wife and I plan to buy our first house in Whitehaven. Conveyancing practitioner already chosen. The broker suggested that a survey is not needed as the property is just 17 years old.
At the very least you should order a Home Buyer's Report. As the premises was constructed more than a decade ago the property will not come with a warranty, so you don't want to take a risk. For a property that age with no signs of problems a Home Buyer's report may suffice. They will highlight any obvious issues and recommend additional investigation where relevant. If there are any signs of material issues get a comprehensive Building Survey from the beginning.