We are purchasing a 3 bedroom apartment in Billericay with a mortgage. We would like to retain our Billericay lawyer, however the lender advise she’s not on their "panel". We have to appoint one of the bank panel solicitors or keep our Billericay solicitor and pay for one of their panel lawyers to represent them. This seems very unfair; can we not demand that the bank use our Billericay conveyancing practitioner ?
No, not really. Your mortgage offer is subject to its terms and conditions, one of which will be that lawyers will on the bank’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your Billericay conveyancing lawyer to apply to be on the conveyancing panel.
Please could you recommend a TSB allowed Billericay conveyancing solicitor that can complete within a very limited time frame? Am I best advised to choose a local Billericay practice or a nationwide firm?
We can recommend some very good Billericay conveyancing firms. You can also walk up the main road in Billericay. Approach two or three law practices and ask to speak with a conveyancing solicitor for a costs illustration. Explain your time frames together with the reasons and ask for an assurance on speed. Appoint the lawyer that you trust.
We note that you have a post code search directory listing solicitors on the Bank of Ireland conveyancing panel. Do firms pay you a referral fee if I instruct them for our own conveyancing in Billericay?
We are a listing service only for law firms wishing to communicate if they are on the Bank of Ireland conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Billericay.
Yesterday I discovered that there is a flying freehold issue on a property I put an offer in last month in what was supposed to be a quick, no chain conveyancing. Billericay is where the house is located. Can you shed any light on this issue?
Flying freeholds in Billericay are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Billericay you would need to get your solicitor to go through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Billericay may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
Given that I am about to part with 450k on a garden flat in Billericay I wish to have a conversation with the lawyer concerning thetransaction in advance of appointing the firm. Is this something that you can arrange?
This is something that we encourage - we would be pleased to talk to you we do not take any clients on without you liaising with the solicitor who will be carrying out your property ownership legalities in Billericay.There is no ‘factory style conveyancing’ - each client is unique individual, not a case number. The law firms that we put you in touch with believe that the fees you are calculated and presented to you for residential conveyancing in Billericay should be the amount on the final invoice that you end up paying.
I need to appoint a conveyancing solicitor for purchase conveyancing in Billericay. I have chance upon a web site which appears to be the perfect offering If there is a chance to get all this stuff done via email that would be preferable. Do I need to be concerned? What are the potential pitfalls?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?