My property lawyer in Melling has never been on on the Clydesdale Solicitor Panel. Can I still continue with my family solicitor even though they are not on the Clydesdale approved list?

Your options are as follows:

1. Carry on with your preferred Melling solicitors but Clydesdale will need to instruct a solicitor on their panel. This will result in additional total conveyancing fees and cause delays.
2. Find an alternative lawyer to act in the purchase, not forgetting to check they are on the Clydesdale panel

Me and my partner are purchasing a property in Melling. I might seem paranoid but how we can trust a solicitor? At some point we will need to put our life savings into their account. What is the protection we have from them run away with our deposit?

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 am helping my step-mother sell her house in Melling. Does the conveyancing solicitor commission an EPC or it is for the owner to coordinate?

Following the abolition of Home Information Packs, energy performance certificates was retained a mandatory part of selling a house. An energy assessment needs to be to hand in advance of the property being placed on the market. This is not a task that lawyers ordinarily organise. If you are using a Melling conveyancing lawyer they may help arrange energy performance certificates given their relationships with long established local energy assessors

I have a mortgage with Nationwide for my property in Melling. Conveyancing has been completed 12 months ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Nationwide?

You must advise Nationwide in advance of letting out your property as this is likely to be a breach of Nationwide’s mortgage conditions. It may be that Nationwide 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 lawyer.

Just had an offer accepted on a new build flat in Melling. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.

Here are examples of a selection of leasehold new build questions that you can expect your new-build leasehold conveyancing in Melling

Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Please supply a car parking plan.

I'm converting the mortgage on my existing house to a BTL loan with Barclays Direct and intend to use the remaining equity as a down payment on another house. The area we are interested in is Melling. Will your lawyers be able to act for both sets of lenders and link together the two deals?

Do use our search tool on this page to be sure that the lawyers are on the appropriate lender panels. Assuming that they are your lawyer will be able to connect the two transactions but you should have a chat with you solicitor and specify your desired outcome and requirements.

We have had DIP from Aldermore who suggested that they will loan up to £300k. At what point do I need to instruct a practitioner for conveyancing? Melling is where we are buying.

It would be wise to instruct a conveyancer now so that the lawyer can open the file so they can do their ID checks etc. Once you wish them to start work you will be asked for a payment on account normally approximately £225. That should normally be once you have the loan offer from your bank and survey back, but should you wish to speed matters you can start the ball rolling quicker albeit risking some expense.