Unfortunately I am unable to travel far from Thornhill. I would like to know the understand why all Thornhill lawyers are not on all bank panels?

Before the recession most lenders displayed an attitude to risk which differs from the current day. The FSA in 2010 instigated a thematic review into property fraud which concluded: know the conveyancing practitioners on your panel. Accordingly, mortgage companies have since looked to extract more information from law firms regarding their operations and the staff employed by them and set certain criteria such as completing a minimum amount of transactions. Hundreds of firms have found themselves excluded from lender panels even though they had an exemplary disciplinary record, no complaints and no claims and didn't just 'dabble' in conveyancing. Many firms were never going to satisfy the criteria of volume of transactions the lenders required.

Are the Thornhill conveyancing solicitors identified as being on the Co-operative conveyancing panel, together with their details provided by Co-operative?

Thornhill conveyancing firms themselves provide us confirmation that they are on the Co-operative conveyancing panel as opposed to being supplied with a list from Co-operative directly.

The deeds to our home are lost. The solicitors who dealt with the conveyancing in Thornhill 4 years ago no longer exist. What do I do?

Gone are the days when you need to hold title original deeds to prove you are the owner of your registered land or premises, given that the Land Registry hold details of all registered land or property electronically.

I decided to have a survey completed on a property in Thornhill ahead of instructing conveyancers. I have been informed that there is a flying freehold aspect to the house. The surveyor advised that some mortgage companies may not give a mortgage on this type of house.

It depends who your proposed lender is. Bank of Scotland has different requirements from Nationwide. If you e-mail us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Thornhill. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Thornhill to see if the conveyancing costs will increase in light of this.

I’m about to sell my garden flat in Thornhill. Conveyancing has not commenced, however I have recently received a quarterly maintenance charge invoice – Do I pay up?

The sensible thing to do is discharge the service charge as normal given that all ground rent and service payments should be apportioned as part of the financial calculations for completion monies, so you will be reimbursed by the buyer for the period running from after the completion date to the subsequent invoice date. Most management companies will not acknowledge the buyer unless 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.

Thornhill Conveyancing for Leasehold Flats - A selection of Queries Prior to Purchasing

Are any of leasehold owners in arrears of their service charge payments? The prefered form of lease structure is if the freehold reversion is in the ownership of the leaseholders. In this scenario the lessees enjoy being in charge if their destiny and although a managing agent is frequently employed if it is larger than a house conversion, the managing agent acts for the leaseholders themselves. Be sure to find out if there is anything that is prohibited in the lease. For example it is fairly common in Thornhill leases that pets are not permitted in in a block in Thornhill. If you like the flatin Thornhill but your cat is not allowed to make the move with you then you will be presented with a hard choice.