I am acquiring a ground floor flat in Whitnash. My Conveyancer is not on the mortgage company approved list. Can I still retain my Whitnash conveyancing solicitor even though they are not on the bank panel of approved conveyancing solicitors?

One will need to instruct a lawyer to complete the formalities when you require a mortgage to buy your home. They will conduct all the relevant due diligence on the property, make sure that you’re registered as proprietor and ensure that all the necessary mortgage documentation is dealt with. You can appoint a Whitnash solicitor of your choosing. Nevertheless, if the property lawyer selected is not on the mortgage company solicitor panel further charges will be incurred as separate legal representation will be need by the bank. Lender panel applications may be submitted, so if your conveyancer has not in the past sought membership they should do so.

When will exchange of contracts take place for residential conveyancing in Whitnash and do I need to attend the lawyers office?

If you are round the corner to our conveyancing solicitors in Whitnash you are welcome to come in to sign contracts. That being said, the firms we work with provide a countrywide conveyancing service and provide just as comprehensive and professional a job for you when dealing with you electronically. The signing of the contract is not the important part. A signed contract simply enables the conveyancer to exchange contracts at the appropriate time, which will usually be very shortly after signing. The procedure is nowadays normally dealt with by telephone and can be very rapid, although where a lengthy "chain" is in the mix, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Whitnash)to be in the office available at the end of the phone to exchange contracts.

My husband and I have organised the release of further funds on our home loan from Clydesdale as we wish to carry out a loft conversion to our property in Whitnash. Do we need to select a bricks and mortar Whitnash solicitor on the Clydesdale conveyancing panel to deal with the legals?

Clydesdale do not ordinarily require firms on their conveyancing panel to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Clydesdale conveyancing panel.

We have agreed to purchase a house in Whitnash. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Clydesdale be concerned?

As your lender is Clydesdale your lawyer must follow the formal requirements set out in Section two of UK Finance Lenders’ Handbook for Clydesdale. The CML Handbook includes minimum specifications for solar panel roof-space leases, and conveyancing practitioners are required to report to Clydesdale where a lease fails to meet these specifications. The specifications relate to the installation of panels on properties in England and Wales and is not isolated to Whitnash.

My wife and I are spending time looking at flats in Whitnash and I am now considering a potential offer. Is it premature to have a solicitor in place? I intend to finance via a home loan with Co-operative.

You should start requesting conveyancing quotes from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their details on to the selling agent. Given that you are obtaining a mortgage with Co-operative, make sure you remember to check that your lawyer is on the Co-operative conveyancing panel.

Should commercial conveyancing searches disclose impending roadworks that could affect a commercial land in Whitnash?

Its becoming the norm that commercial conveyancing solicitors in Whitnash will perform a SiteSolutions Highways report as it reduces the time that conveyancers spend in looking into accurate data on highways that impact buildings and development assets in Whitnash. The search result sets out definitive data on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Whitnash.

For each commercial conveyancing transaction in Whitnash it is critical to investigate the adoption status of roads surrounding a site. Failure to identify developments where adoption procedures have not been dealt with adequately can result in delays to Whitnash commercial conveyancing transactions as well as pose a risk to future intentions for the site. These searches are not ordered for domestic conveyancing in Whitnash.

There are plenty of houses in Whitnash on unadopted roads. I am acquiring one such property. What would be the pros and cons of buying a house on a privately owned road?

Whitnash conveyancing lawyers will be familiar with dealing homeson private. The property lawyer should review the Land Registry data to identify any rights or liabilities. In many cases there is a residents association that residents pay into for the upkeep of the road. If one exists, the road should be maintained and look better than council adopted.