Can I use your services to locate a Conveyancing solicitor in Chorley even where I’m not buying or selling a house, for example where I intend to buy a shop in Chorley with a mortgage from HSBC Bank?
Our search tool is mainly utilised to locate residential conveyancing solicitors in Chorley but we have listed at the end of this page a few Chorley commercial conveyancing firms. You will need to speak with the company directly to establish if they can also act for HSBC Bank
We are buying a property in Chorley. I might seem paranoid but how we can trust a solicitor? At some point we will need to deposit our life savings into their account. What is the protection we have from them run away with our money?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
I currently have a mortgage with Nationwide for my property in Chorley. Conveyancing was finalised 12 months ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Nationwide?
Your original mortgage agreement with Nationwide will provide that you need their approval prior to renting your property as this is likely to be a breach of Nationwide’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Nationwide directly. It should not be necessary to do this via a Nationwide conveyancing panel firm.
After much negotiation I have agreed a price on an apartment in Chorley. My financial adviser recommended their conveyancers. I paid an on account payment of £150. Not long after, the conveyancing practitioner called me to say that they were not on the Lloyds 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 Lloyds 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.
What will a local search tell me concerning the house I am buying in Chorley?
Chorley conveyancing often commences with the submitting local authority searches directly from your local Authority or through a personal search company such as Searchflow The local search plays a central part in many a Chorley conveyancing purchase; that is if you don’t want any nasty surprises after you move into your property. The search should reveal data on, amongst other things, details on planning applications relevant to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 subject headings.
How does conveyancing in Chorley differ for newly converted properties?
Most buyers of new build property in Chorley come to us having been asked by the developer to exchange contracts and commit to the purchase even before the house is built. This is because builders in Chorley usually buy the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Chorley or who has acted in the same development.
What does commercial conveyancing in Chorley cover?
Non domestic conveyancing in Chorley incorporates a wide range of guidance, offered by regulated solicitors, relating to business premises. For instance, this area of conveyancing can cover the sale or purchase of freehold business premises or, more usually, the assignment of existing leases or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial mortgages and the termination of leases.