Would the conveyancing solicitors identified through your search tool execute auction conveyancing in Kirkby?

There are a few auction lawyers we can put you in touch with those specialising in auction conveyancing. Kirkby is just one of our areas of in which our lawyers have a presence.

is it true that all Kirkby solicitors on the Virgin Money conveyancing panel are governed by the Solicitors Regulatory Authority?

As solicitors, in order to be on the Virgin Money approved list of solicitors they would need to be overseen by the Solicitors Regulatory Authority. The majority of lenders do allow licenced conveyancers on their panel and in that case the practice would be regulated by the CLC.

I am currently in the process of buying my council flat in Kirkby. I have a mortgage offer with Aldermore. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?

It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Aldermore, you will need to appoint a solicitor on the Aldermore conveyancing panel.

The formalities of my remortgage has taken place for my property in Kirkby. Conveyancing was a necessary evil but I would like to complain about the lender. How does one go about formally complaining?

Most banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. Ordinarily complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.

I have been on the look out for a leasehold apartment up to £195,000 and found one close by in Kirkby I like with a park and station in the vicinity, however it's only got 49 years unexpired on the lease. I can't really find anything else in Kirkby for this price, so just wondered if I would be making a mistake buying a short lease?

Should you require a home loan the shortness of the lease will be a potential deal breaker. Discount the offer by the anticipated lease extension will cost if it has not already been discounted. If the current owner has owned the property for a minimum of 2 years you may ask them to commence the lease extension formalities and pass it to you. You can add 90 years to the existing lease term and have £0 ground rent by law. You should speak to your conveyancing lawyer about this matter.

How do I locate a Kirkby law firm on the National Westminster Bank conveyancing panel? I drive a motor bike and am happy to travel upto 25miles to meet the lawyer.

Feel free to make use of the search on this website. Please select a bank and your location and you will see a number of Kirkby conveyancing lawyers located nearest you. We have detailed some Kirkby conveyancing firms towards the end of this page and you can call them to verify if they are on the National Westminster Bank panel

I work for a long established estate agency in Kirkby where we see a number of flat sales derailed due to short leases. I have received contradictory information from local Kirkby conveyancing firms. Please can you shed some light as to whether the vendor of a flat can start the lease extension formalities for the purchaser on completion of the sale?

Provided that the seller has owned the lease for at least 2 years it is possible, to serve a Section 42 notice to start the lease extension process and assign the benefit of the notice to the purchaser. This means that the proposed purchaser can avoid having to wait 2 years for a lease extension. Both sets of lawyers will agree to form of assignment. The assignment needs to be completed prior to, or at the same time as completion of the disposal of the property.

Alternatively, it may be possible to agree the lease extension with the freeholder either before or after the sale. If you are informally negotiating there are no rules and so you cannot insist on the landlord agreeing to grant an extension or transferring the benefit of an agreement to the purchaser.

Kirkby Leasehold Conveyancing - A selection of Queries Prior to buying

What restrictions are there in the Kirkby Lease? Does the lease have in excess of 85 years left? How many of the leaseholders are in arrears for their maintenance charge payments?