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Find a Whitchurch Conveyancing Solictior on Your Lender’s Panel

Ready to buy a new home in Whitchurch? Failing to check that a lawyer is on your lender’s list of approved solicitors can put your Whitchurch transaction at risk of delay or failure.

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Recently asked questions about conveyancing in Whitchurch

Willappointing a Whitchurch conveyancing lawyer make the ownership transfer easier?

Established third party connections is an important consideration when appointing conveyancing solicitors. Whitchurch conveyancers enjoy long term relationships with lenders and agents, local authorities, surveyors and other conveyancing firms meaning you will move in shortest possible time. Hosting a sound experience in the local area is an advantage.

My property lawyer in Whitchurch is not on the Barnsley Building Society Conveyancing Panel. Is it possible for me to use my prefered solicitor notwithstanding that they are excluded from the Barnsley Building Society panel?

Your options are as follows:

  1. Complete the purchase with your existing Whitchurch solicitors but Barnsley Building Society will need to retain a conveyancer on their list of acceptable firms. This will inevitably rack up the overall conveyancing fees as well as cause frustration.
  2. Choose an alternative solicitor to to deal with the purchase, remembering to check they are on the Barnsley Building Society panel

Should my lawyer be asking questions concerning flooding during the conveyancing in Whitchurch.

The risk of flooding is if increasing concern for solicitors dealing with homes in Whitchurch. There are those who buy a house in Whitchurch, fully aware that at some time, it may suffer from flooding. However, leaving to one side the physical damage, where a property is at risk of flooding, it may be difficult to obtain a mortgage, satisfactory insurance cover, or sell the property. There are steps that can be taken during the course of a property purchase to forewarn the purchaser.

Lawyers are not best placed to offer advice on flood risk, but there are a numerous searches that may be undertaken by the purchaser or on a buyer’s behalf which should figure out the risks in Whitchurch. The standard completed inquiry forms supplied to a purchaser’s conveyancer (where the solicitors are adopting what is known as the Conveyancing Protocol) contains a standard question of the seller to find out if the property has historically flooded. If flooding has previously occurred and is not revealed by the owner, then a buyer could commence a legal claim for losses as a result of such an misleading reply. A buyer’s conveyancers will also commission an environmental search. This should indicate if there is any known flood risk. If so, further investigations will need to be conducted.

I own a renovated Edwardian house in Whitchurch. Conveyancing practitioner represented me and Clydesdale. I did a free Land Registry search last week and there are two entries: the first freehold, another for leasehold with the matching address. I thought I was buying a freehold how can I check?

You should review the Freehold register you have again and check the Charges Register as there may be 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 Whitchurch and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with lenders. You can also check the position with the conveyancing practitioner who conducted the purchase.

I've recently found out that there is a flying freehold element on a house I put an offer in two weeks back in what was supposed to be a quick, chain free conveyancing. Whitchurch is the location of the property. What do you suggest?

Flying freeholds in Whitchurch are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Whitchurch you would need to get your solicitor to go through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Whitchurch may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.

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Find out more about how flying freehold can affect your the value of a property.