My husband and I intend to remortgage our flat in Barton Le Clay with Santander. We have a son 19 who lives with us. Our solicitor has asked us to disclose anyone over the age of 17 other than ourselves who lives in the flat. The solicitor has now sent a form for our son to sign, waiving any legal rights in the event that the flat is repossessed. I have two concerns (1) Is this document specific to the Santander conveyancing panel as he did not need to sign this form when we bought 5 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?
First, rest assured that your Santander conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Santander. This is solely used to protect Santander if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Santander had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
How up to date is your database of Barton Le Clay solicitors on the Principality conveyancing panel? Do Principality send you an updated list?
Barton Le Clay conveyancing firms themselves provide us confirmation that they are on the Principality conveyancing panel as opposed to being supplied with a list from Principality directly.
is it true that all Barton Le Clay solicitor firms on the Leeds Building Society conveyancing panel are overseen by the SRA?
As a firm of solicitors, in order to be on the Leeds Building Society approved list of solicitors they would need to be overseen by the Solicitors Regulatory Authority. Many banks do permit licenced conveyancers on their panel and in that case the practice would be governed by the CLC.
I am currently in the process of buying my council flat in Barton Le Clay. I have a mortgage agreed with Coventry BS. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Coventry BS, you will need to appoint a solicitor on the Coventry BS conveyancing panel.
The formalities of my remortgage has taken place for my property in Barton Le Clay. Conveyancing was satisfactory but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?
All lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. Ordinarily complaints to a lender are resolved effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
We are purchasing a house and the conveyancer has identified Chancel Repair for which the property may be liable as it falls into the area of such a church. He has recommended insurance. Is this strictly appropriate for conveyancing in Barton Le Clay
Unless a previous acquisition of the property took place after 12 October 2013 you may take it that lawyers handling conveyancing in Barton Le Clay to continue to suggest a chancel search and or chancel repair liability policy.
How easy is it to transfer to a new firm as I have to find one who is on the The Mortgage Works conveyancing panel. I instructed a family conveyancing solicitor in Barton Le Clay round the corner but she is not approved by The Mortgage Works
It would be our pleasure to assist you select a conveyancing solicitor in Barton Le Clay on the The Mortgage Works panel. Please note that the property lawyers that we work with do not pay us a referral fee if you instruct them and are authorised and regulated by the Solicitors Regulation Authority who regulate all conveyancing solicitors in Barton Le Clay. Using the find a conveyancing solicitor tool on this page, you can compare charges for conveyancing solicitors in Barton Le Clay and beyond.
My fiance and I are are looking to find an affordable conveyancing solicitor in Barton Le Clay to purchase a home. I want to avoid being ripped off and there's so many Barton Le Clay conveyancing firms to choose from...how do I know which one is best to select?
A trustworthy personal recommendation via a person who has instructed a conveyancing lawyer previously is always a best. Almost everyone has used a conveyancing solicitor previously. Feel free to utilise our tool to compare Barton Le Clay conveyancing quotes