I am purchasing a maisonette in Angel. My Solicitor is not on the bank approved list. Can I still appoint my Angel conveyancing solicitor notwithstanding that they are not on the bank list of approved lawyers?
One must use a solicitor to deal with the formalities if you require a mortgage to buy your property. They will carry out all the relevant legal checks on the property, ensuring that you will be properly registered as the owner and ensure that all the required mortgage documentation is dealt with. You may select a Angel solicitor of your choice. Nevertheless, if the solicitor appointed is not on the lender solicitor panel additional costs will be incurred as separate legal representation will be need by the lender. Conveyancing panel applications can be submitted, so if your solicitor has not in the past sought membership they should do so.
We are looking to buy a flat and require a conveyancing solicitor in Angel who is on the Co-operative solicitor panel. Could you point me in the right direction as regards a conveyancing firm?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Co-operative . We don't recommend any particular firms conducting conveyancing in Angel.
Are the BSA planning on creating a search tool with a view to list solicitors on the Earl Shilton BS conveyancing panel for instance in Angel?
We would not expect to be advised of any plans on the part of the BSA to develop such a tool.
I used Stirling Law a few years ago for my conveyancing in Angel. Now, I need the files however the law firm has closed. What do I do?
You should call the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Angel of the conveyancing firm of solicitors you previously hired, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I'm purchasing a new build house in Angel with the aid of help to buy. The builders would not reduce the amount so I negotiated £7000 of additionals instead. The estate agent told me not reveal to my conveyancer about this side-deal as it could impact my mortgage with Skipton Building Society. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I opted to have a survey carried out on a house in Angel before instructing lawyers. I have been informed that there is a flying freehold overhang to the property. The surveyor advised that some lenders will refuse to give a loan on this type of premises.
It depends who your proposed lender is. Santander has different instructions for example to Nationwide. If you contact us we can investigate further with the appropriate lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Angel. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Angel to see if the conveyancing costs will increase in light of this.