It has come to my attention via my financial adviser that my Ravenglass property lawyer is not on the mortgage company Conveyancing panel. How can I be sure that this is correct?

The best course of action for you to take is to contact your Ravenglass lawyer directly. It is reasonable to expect your lawyer to advise you what has happened. Where they are not on the panel they could put your in touch with solicitors on the conveyancing panel for your mortgage company.

is it true that all Ravenglass conveyancing solicitors on the Barclays conveyancing panel are governed by the Solicitors Regulatory Authority?

As a firm of solicitors, in order to be on the Barclays conveyancing panel they would need to be governed by the SRA. Many lenders do list licenced conveyancers on their panel in which case such practice would be governed by the CLC.

I have decided to exercise my right to buy my property in Ravenglass off the council. I have a mortgage offer with Skipton. 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 Skipton, you will need to appoint a solicitor on the Skipton conveyancing panel.

My offer was accepted on a house in Ravenglass on 6/11/2024, valuation was booked five days after, all came back fine. Solicitor instructed, so all that was missing was my mortgage offer. Having made daily calls to Barclays and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Barclays conveyancing panel. Are Barclays entitled to hold back the Mortgage pending the lawyer being on the approved list?

A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Barclays to deal with your lawyer's application to be on the Barclays conveyancing panel. There's no guarantee that your solicitor will be accepted.

I purchased a terraced Victorian property in Ravenglass. Conveyancing practitioner acted for me and Birmingham Midshires. I did a free Land Registry search last week and there are two entries: the first freehold, the second leasehold with the matching property. I'd like to know for sure, how can I find out??

You need to read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Ravenglass and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also check the position with your conveyancing solicitor who conducted the purchase.

What makes your site different to other online quote calculators when it comes to conveyancing in Ravenglass?

At this site obtain a conveyancing quote from a Solicitor or Licensed Conveyancer that understands the nuances of your conveyancing in Ravenglass. As opposed to estate agents and many comparison sites we do not have kick-back arrangements with solicitors. Many agents and online brokers 'recommend' solicitors that pays the highest commission, rather than the best value conveyancing in Ravenglass

I've found a house that appears to be perfect, at a great price which is making it all the more appealing. I have subsequently found out that the title is leasehold rather than freehold. I am assuming that there are particular concerns purchasing a house with a leasehold title in Ravenglass. Conveyancing solicitors have not yet been instructed. Will my lawyers set out the implications of buying a leasehold house in Ravenglass ?

The majority of houses in Ravenglass are freehold rather than 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 Ravenglass so you should seriously consider looking for a Ravenglass conveyancing solicitor and be sure that they are used to transacting on leasehold houses. First you will need to check the unexpired lease term. Being a tenant you will not be at liberty to do whatever you want with the house. The lease will likely included provisions such as requiring the landlord’sconsent to conduct changes to the property. You may also be required to pay a service charge towards the upkeep of the estate where the house is part of an estate. Your conveyancer should report to you on the legal implications.

Ravenglass Leasehold Conveyancing - Sample of Questions you should ask before Purchasing

If a Ravenglass lease has fewer than eighty years it will have adverse implications on the value of the flat. It is worth checking with your lender that they are willing to go ahead with the loan given the lease term. A short lease means that you will probably need a lease extension sooner rather than later and it is worth finding out what this will be. Remember, in most cases you will need to own the property for 24 months before you are eligible to extend the lease. Most Ravenglass leasehold properties will have a service charge for the upkeep of the block levied by the freeholder. Where you purchase the flat you will have to meet this contribution, usually quarterly throughout the year. This could vary from several hundred pounds to thousands of pounds for buildings with lifts and large communal areas. There will also be a ground rent for you to pay yearly, this is usually not a significant figure, say about £50-£100 but you need to enquire it because occasionally it could be many hundreds of pounds. Is there a share of the freehold?