Can you point me to a directory of Clydesdale panel conveyancers in Sacriston on the UK Finance Lenders’ Handbook Website?

No. There is no such tool on the Council of Mortgage Lenders or Building Society Association sites. Very few lenders make their panel listings visible on the web. If you are looking for a Sacriston lawyer on the Clydesdale please make the most of our facility.

I recently had an offer agreed on an apartment in Sacriston. My mortgage broker suggested a conveyancing practitioner. I paid an advanced payment of £225. Shortly after, the property lawyer called me sheepishly admitting that they were not on the RBS conveyancing panel. Am I right in thinking that I should be due a refund?

You should be able to recover this from the law firm if they were not on the RBS panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.

I have instructed a Sacriston property lawyer having checked that they are on the Kent Reliance conveyancing panel. Does my lawyer arrange the survey of the property?

Kent Reliance will need an independent valuation of the property. Your lawyer will not arrange this. Usually Kent Reliance will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Sacriston surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.

A colleague suggested that where I am purchasing in Sacriston I should ask my conveyancer to carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?

A search of this type is occasionally included in the estimate for your Sacriston conveyancing searches. It is a large document of about 40 pages, listing and setting out important information about Sacriston around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Local Education with maps and statistics, Local Amenities and other useful information regarding Sacriston.

I am buying a new build apartment in Sacriston. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.

Set out below are examples of a selection of leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Sacriston

The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. Please supply a car parking plan. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents.

Due to the input of my in-laws I had a survey completed on a property in Sacriston prior to appointing lawyers. I have been advised that there is a flying freehold overhang to the house. The surveyor has said that some banks tend not give a loan on such a property.

It varies from the lender to lender. HSBC has different requirements for example to Nationwide. Should you wish to call us we can investigate further with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Sacriston. Conveyancing may be slightly more expensive based on your lender's requirements.

I have just appointed agents to market my garden flat in Sacriston. Conveyancing lawyers have not yet been instructed, but I have recently had a yearly service charge invoice – what should I do?

The sensible thing to do is pay the maintenance contribution as you normally would given that all ground rent and service charges will be allotted as part of the financial calculations for completion monies, so you will be reimbursed by the purchaser for the period running from after the completion date to the subsequent invoice date. Most managing agents will not acknowledge the buyer until the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. Having a clear account will assist your cause and will leave you no worse off financially.

Sacriston Conveyancing for Leasehold Flats - A selection of Questions you should consider before buying

What is the name of the managing agents? How many of the leaseholders are in arrears for their service charge payments? Make sure you investigate if the the lease includes any onerous restrictions in the lease. By way of example it is very common in Sacriston leases that pets are not allowed in in a block in Sacriston. If you love the apartmentin Sacriston yet your dog can’t live with you then you will be faced hard decision.