Can I use your services to recommend a Conveyancing solicitor in Harrogate even where I’m not buying or selling a house, for instance if I wish to acquire an office in Harrogate with a mortgage from Chelsea Building Society?

Our comparison service is primarily utilised to locate domestic conveyancing solicitors in Harrogate but we have listed at the bottom of this page some Harrogate commercial conveyancing firms. You will need to make contact with the company directly to establish if they are also authorised to represent Chelsea Building Society

I am being advised by my conveyancer that chancel insurance is necessary on my purchase. What is the typical level of cover needed for conveyancing in Harrogate?

The right level of chancel indemnity insurance depends on your lender. It would differ for example between Barclays and Leeds Building Society. Conveyancing practitioners as opposed to members of the public take out such policies.

I happen to be the only recipient of my late father’s estate with all property in now in my sole name, including the my former home in Harrogate. Conveyancing formalities meant that the Land Registry date was in December. I plan to dispose of the house. I do know about the CML six month 'rule', which means that my property ownership will be considered the same way as if I'd bought the property in December. Will no one buy the property for half a year?

The Council of Mortgage Lenders’ handbook obliges solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you might be impacted by that. How sensible a view lenders take of it, depend on the mortgage company as this requirement primarily exists to capture subsales or the quick reselling of property.

I was told four weeks ago that my mortgage has been agreed to by Skipton. Is it usual for Skipton to only issue the offer once my solicitor in Harrogate is approved on their conveyancing panel? Skipton have asked my solicitor to see a copy of their Professional Indemnity Insurance Schedule.

A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Skipton to deal with your lawyer's application to be on the Skipton conveyancing panel. There's no guarantee that your solicitor will be accepted.

Despite weeks of looking the Title Certificate and documents to our property can not be found. The conveyancers who dealt with the conveyancing in Harrogate 5 years ago have long since closed. What are my options?

As long as the title is registered the information relating to your proprietorship will be recorded by HMLR with a Title Number. It is easy to execute a search at the Land Registry, identify your house and get up to date copies of the Registered Entries for less than a fiver. Where the title is Leasehold then the Land Registry will in most cases hold a file duplicate of the Registered Lease and again, a copy can be retrieved for a small fee.

Yesterday I discovered that there is a flying freehold issue on a property I have offered on two weeks back in what should have been a quick, no chain conveyancing. Harrogate is the location of the property. Is there any advice you can impart?

Flying freeholds in Harrogate are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Harrogate you must be sure that your lawyer goes through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Harrogate 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 property.

Can you offer any advice when it comes to choosing a Harrogate conveyancing firm to carry out our lease extension conveyancing?

If you are instructing a property lawyer for your lease extension (regardless if they are a Harrogate conveyancing firm) it is most important that they be familiar with the legislation and specialises in this area of work. We advise that you talk with two or three firms including non Harrogate conveyancing practices prior to instructing a firm. Where the conveyancing practice is ALEP accredited then so much the better. The following questions might be of use:

How many lease extensions has the firm completed in Harrogate in the last 12 months?

Leasehold Conveyancing in Harrogate - Examples of Queries before Purchasing

The best form of lease arrangement is a share of the freehold. In this situation the leaseholders have being in charge if their destiny and even though a managing agent is frequently retained if it is bigger than a house conversion, the managing agent acts for the leaseholders themselves. It is important to be aware whether a new roof is being put on or some other major work is anticipated to be shared by the tenants and could well dramatically impact the level of the service charges or result in a one time invoice. How long is the Lease?