I am expecting a mortgage with Halifax. My intention is to employ the services of a Licensed Conveyancer in Winnersh. Does the Halifax Conveyancing panel allow for Licensed Conveyancers?
The Halifax conveyancing panel is, like many other lenders, represented by the CML or BSA, open to Licensed Conveyancers regulated by the CLC.
Would the conveyancing practitioners that you recommend conduct right to buy conveyancing in Winnersh?
We work with numerous conveyancing solicitors carrying out right to buy transactions Do contact the conveyancers listed in order to get a conveyancing quote.
A colleague informed me that in purchasing a property in Winnersh there may be various restrictions prohibiting external changes to the property. Is this right?
We are aware of a number of properties in Winnersh which have some sort of restriction or requirement of consent to perform external variations. Part of the conveyancing in Winnersh 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 Nottingham for my property in Winnersh. Conveyancing was finalised a year ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Nottingham?
Your original mortgage agreement with Nottingham will provide that you need their approval in advance of letting out your property as this is likely to be a breach of Nottingham’s mortgage conditions. In many cases banks or building societies will allow you to rent 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 Nottingham directly. You need not do this via a Nottingham conveyancing panel lawyer.
I was told three weeks ago that my mortgage has been agreed to by Virgin Money. Is it usual for Virgin Money to only issue the offer once my solicitor in Winnersh is approved on their conveyancing panel? Virgin Money have asked my solicitor to see a copy of their Professional Indemnity Insurance Schedule.
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Virgin Money to deal with your lawyer's application to be on the Virgin Money conveyancing panel. There's no guarantee that your solicitor will be accepted.
I have recentlybeen informed that Action Conveyancing have been shut down. They carried out my conveyancing in Winnersh for a purchase of a leasehold apartment 9 months ago. How can I be sure that my home is in my name in the name of the former proprietor?
The quickest way to see if the premises is registered to you, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Winnersh conveyancing specialists.
I decided to have a survey done on a property in Winnersh before instructing conveyancers. I have been informed that there is a flying freehold element to the property. The surveyor advised that some banks may not give a loan on such a premises.
It varies from the lender to lender. Bank of Scotland has different instructions for example to Birmingham Midshires. Should you wish to call us we can look into this further with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Winnersh. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Winnersh to see if the conveyancing costs will increase in light of this.