I am acquiring a maisonette in Ashford. My property lawyer has never been on on the bank approved panel. Am I still permitted to appoint my Ashford conveyancing solicitor even though they are not on the lender approved list?
You have numerous alternatives available to you here
- Carry on with your preferred Ashford property lawyer but your mortgage company will no doubt retain a lawyer on their approved panel. The net result is additional fees together with potential delay.
- Appoint a fresh conveyancing practitioner to act in the purchase, ensuring that they are on the mortgage company conveyancing panel.
- Convince your solicitor to do everything possible to join the mortgage company conveyancing panel
I am acquiring a property mortgage free in Ashford. I have resided for the previous dozen years in Ashford. Conveyancing searches are a lot of money. Given that I know the area and road intimately should I not bother getting the solicitor to do all the conveyancing searches?
If you not getting a mortgage, then the vast majority of the Ashford conveyancing searches are non-obligatory. Your lawyer will 'advise', perhaps strongly, that you should have searches completed, but he has a professional duty to do this. Do consider; if you are going to dispose of the house at a future date, it may be of relevance to your future purchaser what the searches reveal. Sometimes properties with no practical issues can still reveal unexpected search results. A competent conveyancing solicitor in Ashford should provide you some helpful guidance here.
I am purchasing a property in Ashford. One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Barclays be concerned?
As your lender is Barclays your lawyer must follow the formal instructions set out in Part 2 of UK Finance Lenders’ Handbook for Barclays. The Council of Mortgage Lenders’ Handbook sets out minimum provisions for solar panel roof-space leases, and conveyancers are required to report to Barclays where a lease does not meet these provisions. The conditions relate to the installation of panels on properties countrywide and is not limited to Ashford.
I am due to exchange contracts on my house. I had a double glazing fitted in April 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, HSBC are being difficult. The Ashford solicitor who is on the HSBC conveyancing panel is happy to accept ‘lack of building regulation’ insurance but HSBC are requiring a building regulation certificate. Why do HSBC have a conveyancing panel if they don't accept advice from them?
It is probably the case that HSBC have referred the matter to their valuer. The reason why HSBC may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
I was told four weeks ago that my mortgage has been agreed to by Kent Reliance. Is it usual for Kent Reliance to only issue the offer once my solicitor in Ashford is approved on their conveyancing panel? Kent Reliance have asked my solicitor to see a copy of their PI Insurance.
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Kent Reliance to deal with your lawyer's application to be on the Kent Reliance conveyancing panel. There's no guarantee that your solicitor will be accepted.
I need some fast conveyancing in Ashford as I have a deadline to sign on the dotted line within 3 weeks. A home loan is not required. Is it possible to escape the need for conveyancing searches to save fees and time?
If.Given you are are a mortgage free buyer you have the choice not to do searches although no law firm would advise that you don't. Drawing on our experience of conveyancing in Ashford the following are examples of issues that can be revealed and adversely impact the marketability of the property: Enforcement Notices, Overdue Charges, Overdue Grants, Unadopted Roads,...
I am looking for a conveyancing lawyer in Ashford for my home move. Is there any facility to review a firm’s record with the profession’s regulator?
You may review documented Solicitor Regulator Association (SRA) determinations arising from investigations commenced on or after 1 January 2008. Go to Check a solicitor's record. To find information about the period before 1 January 2008, or to check a solicitors record, phone 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. International callers, dial +44 (0)121 329 6800. The regulator could recorded call for training requirements.
Been looking for a lawyer for freehold sale conveyancing in Ashford. We are selling, simple no mortgage to discharge, no rush, no onward chain. Had an estimate from a conveyancing practitioner for nine hundred pounds plus VAT which is a tad expensive considering its so straightforward. Can I pay less for conveyancing in Ashford?
Considering it’s a sale only, £450 + VAT would be about the lowest for a Ashford solicitor firm.