My wife and I have arranged a further advance on our mortgage from UBS as we wish to conduct alterations to our house in Darlington. Do we need to choose a high street Darlington solicitor on the UBS conveyancing panel to handle the paperwork?
UBS would not normally appoint firms on their approved list of lawyers to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the UBS conveyancing panel.
I am expecting a AIP from Kent Reliance this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Kent Reliance recommend any Darlington solicitors on the Kent Reliance conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Darlington solicitors independently although you'll need to choose one on the Kent Reliance conveyancing panel. The solicitor represents both you and Kent Reliance through the process.
Our offer on a property in Darlington has been accepted, but there is a chain. The owners have offered on on an apartment, however it’s not yet tied up, and have viewings of other apartments booked. I have chosen a nearby conveyancing solicitor in Darlington. What do I do now? When should I get the mortgage application with Bank of Ireland going?
It is normal to have apprehensions where there is a chain as you are unlikely to want to be too out of pocket prematurely (home loan application is approx one thousand pounds, then valuation, Darlington conveyancing search fees, etc). First, you should check that your conveyancer is on the Bank of Ireland approved list. Regarding the next phase this very much dictated by the uniqueness of your transaction, desire for the property and on the state of the market. In a buoyant market many buyers will apply for a home loan with Bank of Ireland and arrange for the valuation and only if it was satisfactory would they request their lawyer to proceed with the conveyancing in Darlington.
My colleague recommended that where I am purchasing in Darlington I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is occasionally included in the estimate for your Darlington conveyancing searches. It is a large document of about 40 pages, listing and detailing significant information about Darlington around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Darlington Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Darlington Education with maps and statistics, Local Amenities and other useful information regarding Darlington.
I am looking for a ground for flat up to £245,000 and found one near me in Darlington I like with open areas and railway links in the vicinity, the downside is that it only has 61 years unexpired on the lease. I can't really find anything else in Darlington suitable, so just wondered if I would be making a grave error buying a short lease?
Should you need a mortgage the remaining unexpired lease term will be an issue. Discount the offer by the expected lease extension will cost if it has not already been discounted. If the current proprietor has owned the property for a minimum of 2 years you can ask them to commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the existing lease term and have £0 ground rent by law. You should speak to your conveyancing lawyer about this matter.
What does commercial conveyancing in Darlington cover?
Non domestic conveyancing in Darlington incorporates a wide array of services, offered by qualified solicitors, relating to business premises. By way of example, this type of conveyancing can cover the sale or purchase of freehold business premises or, more usually, the assignment of existing business tenancies or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial loans and the termination of leases.
I am purchasing a flat and need a conveyancing solicitor in Darlington who is on the mortgage company approved panel. Could you point me in the right direction as regards a firm?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for the mortgage company who do conveyancing in Darlington. We dont recommend any particular firm.