Our mortgage company has suggested a law firm on their panel based in Ripon but I would rather use a conveyancing lawyer in Ripon or nearer to where I live. Are you able to assist?
The minority of Ripon conveyancing practices are on all lender’s conveyancing panel. Use the above find an approved solicitor tool to locate a Ripon conveyancing conveyancer on the on the mortgage company panel.
What does a local search inform me about the house I am buying in Ripon?
Ripon conveyancing often starts with the ordering local authority searches directly from your local Authority or through a personal search company such as Searches UK The local search plays an important role in most Ripon conveyancing purchase; that is if you don’t want any nasty once you have moved into your new home. The search should supply data on, amongst other things, details on planning applications applicable to the premises (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 thirteen topic areas.
I purchased a renovated Victorian house in Ripon. Conveyancing lawyer acted for me and Coventry Building Society. I did a free Land Registry search last week and there are two entries: the first freehold, the second leasehold with the matching address. Is it worth asking Coventry Building Society to clarify?
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 Ripon 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 purchasers. You can also enquire as to the situation with your conveyancing solicitor who conducted the conveyancing.
I decided to have a survey completed on a house in Ripon ahead of retaining lawyers. I have been advised that there is a flying freehold aspect to the house. My surveyor has said that some lenders tend not give a loan on a flying freehold house.
It depends who your proposed lender is. Santander has different requirements for example to Halifax. If you contact us we can look into this further with the relevant lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Ripon. Conveyancing may be slightly more expensive based on your lender's requirements.
Do I need to be concerned about brokers that I am dealing with are recommending a nationwide conveyancing firm as opposed to a local Ripon conveyancing practice?
As is the case with lots of service providers, often referrals from relatives can be worth their weight in gold. But there are lots of parties with a keen interest in a conveyancing matter; estate agents, financial adviser and banks may put forward lawyers to appoint. Sometimes the lawyers might be known to one of the organisations as experts in their field, but sometimes there behind the scenes commercial relationship behind the endorsement. You are free to choose your own lawyer. However, bear in mind that most mortgage providers specify a panel list of lawyers you have to use for the lender aspect of your home move.