I am mortgaging my apartment in Redditch, does my lawyer need to be on the Yorkshire BS Solicitor panel?
In theory, you could use a solicitor that is not on the Yorkshire BS conveyancing panel, but Yorkshire BS would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same conveyancing matter.
We have agreed to purchase a house in Redditch. An unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Bank of Ireland be concerned?
Given that your lender is Bank of Ireland your lawyer must follow the formal instructions contained in Part two of UK Finance Lenders’ Handbook for Bank of Ireland. The CML Handbook includes minimum specifications for solar panel roof-space leases, and solicitors are required to report to Bank of Ireland where a lease does not meet these specifications. The provisions relate to the installation of panels on properties countrywide and is not isolated to Redditch.
I have paid off my mortgage with UBS. I assume I don't need a Redditch conveyancing practitioner on the UBS panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your UBS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the UBS mortgage from the register. UBS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where UBS has sent the Land Registry the discharge electronically, and
- UBS has instructed the Land Registry to do so
Barclays have agreed my home loan in principle, my offer on a house in Redditch has been accepted, what happens next?
The property agent will want to know who your solicitors are (make sure the conveyancers are on the bank’s approved list). Call up Barclays or your broker and finish off any appropriate forms. Barclays will instruct a valuer who will get in contact with the estate agent or owners to arrange an appointment. Once carried out (assuming no problems) it takes about ten days to receive the mortgage offer. Barclays will issue the offer to you and your property lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Redditch.
I used Wolstenholmes several years past for my conveyancing in Redditch. I now require my papers however the law firm is no longer operating. What do I do?
Do contact the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Redditch of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I have been on the look out for a ground for flat up to £195,000 and identified one near me in Redditch I like with a park and station nearby, however it's only got 49 years on the lease. There is not much else in Redditch in this price bracket, so just wondered if I would be making a mistake purchasing a short lease?
If you require a home loan the shortness of the lease will be a potential deal breaker. Reduce the price by the anticipated lease extension will cost if it has not already been discounted. If the current owner has owned the property for at least twenty four months you could ask them to start the process of the extension and then assign it to you. You can add 90 years to the existing lease and have £0 ground rent by law. You should consult your conveyancing lawyer regarding this.
I see that you have a post code search directory listing firms on the bank conveyancing panel. Do Redditch conveyancing firms pay you a referral fee if I instruct them for my own house purchase?
We are a listing service only for law firms wishing to communicate if they are on the mortgage company conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint for your conveyancing in Redditch.