My Solicitor in Maryport is not on the Halifax Solicitor Panel. Is it possible for me to use my prefered solicitor even though they are excluded from the Halifax approved list?

The limited options open to you here include:

1. Complete the purchase with your preferred Maryport solicitors but Halifax will need to retain a lawyer on their panel. This will inevitably rack up the total conveyancing fees as well as result in frustration.
2. Find a new solicitor to act in the purchase, obviously checking they are on the Halifax panel

I decided to have a survey done on a property in Maryport before retaining solicitors. I have been informed that there is a flying freehold aspect to the house. Our surveyor has said that some banks tend refuse to grant a mortgage on this type of premises.

It depends who your proposed lender is. Lloyds has different requirements for example to Birmingham Midshires. Should you wish to call us we can look into this further via the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Maryport. Conveyancing will be smoother if you use a solicitor in Maryport especially if they regularly deal with such properties in Maryport.

I need to instruct a conveyancing solicitor for some conveyancing in Maryport. I have discover a site which seems to have the ideal solution If there is a chance to get all this stuff completed via web that would be ideal. Do I need to be concerned? What should out be looking out for?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?

I today plan to offer on a house that seems to tick a lot of boxes, at a reasonable price which is making it all the more appealing. I have just found out that it's a leasehold as opposed to freehold. I would have thought that there are particular concerns buying a house with a leasehold title in Maryport. Conveyancing advisers have are about to be appointed. Will they explain the issues?

Most houses in Maryport are freehold and not leasehold. This is one of the situations where having a local solicitor who is familiar with the area who can assist with the conveyancing process. We note that you are purchasing in Maryport in which case you should be shopping around for a Maryport conveyancing solicitor and be sure that they have experience in advising on leasehold houses. As a matter of priority you will need to check the unexpired lease term. As a tenant you will not be entirely free to do whatever you want to the property. The lease will likely included provisions such as obtaining the landlord’spermission to carry out alterations. You may also be required to pay a service charge towards the maintenance of the estate where the property is located on an estate. Your conveyancer will report to you on the legal implications.

Leasehold Conveyancing in Maryport - Sample of Queries Prior to Purchasing

Be sure to find out if the the lease includes any onerous restrictions in the lease. By way of example it is very common in Maryport leases that pets are not permitted in certain buildings in Maryport. If you like the apartmentin Maryport but your dog can’t make the move with you then you will be presented with a difficult choice. What prohibitions are contained in the Maryport Lease?

A conveyancing company handled my conveyancing in Maryport four years past having retained my title documents but has now closed – how do I retreive them?

Title deeds, as such, are no longer appropriate for the majority of homes in Maryport are registered digitally at Land Registry. Should you need to show ownership or are selling or re-mortgaging your property lawyer should obtain up to date copies of the register from the Land Registry in any case.

If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned as quickly as possible.