My mortgage broker has asked me for my Dartford lawyer’ panel reference for the Nationwide conveyancing panel. How do I obtain this. I have called my local Dartford office but they don't know it.
You are best placed to get this information from your Dartford conveyancer . They keep a central record lender panel numbers.
Our conveyancer has uncovered a a problem with the lease for the flat we are buying in Dartford. The seller’s lawyers have offered title insurance as a solution. We are happy with insurance and will cover the costs. Our solicitor says that he must check that the lender is willing to move forward with this solution. Are we the client or is the bank?
The short answer to your last question is that, notwithstanding the risk of a conflict of interest, you and the mortgage company are the client. Your lawyer must comply with the UK Finance Lenders’ Handbook conditions. The UK Finance Lenders’ Handbook conditions require your lawyer to disclose issues such as defects with the lease so that the lender can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected. Should you refuse to allow your lawyer to make the appropriate notification then your conveyancer will have no choice but to discontinue acting for you.
Various web forums that I have visited warn that are the main reason for stalling in Dartford conveyancing transactions. Is that correct?
The Council of Property Search Organisations (CoPSO) published determinations of research by MoveWithUs that conveyancing searches do not feature within the top 10 causes of delays during the legal transfer of property. Searches are unlikely to feature in any slowing down conveyancing in Dartford.
Yesterday I discovered that there is a flying freehold element on a house I have offered on a fortnight ago in what should have been a simple, chain free conveyancing. Dartford is where the house is located. Is there any advice you can impart?
Flying freeholds in Dartford are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Dartford you would need to get your solicitor to go through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Dartford 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 premises.
Given that I will soon spend £400,000 on 3 bedroom house in Dartford I wish to have a conversation with the lawyer concerning theconveyancing in advance of instructing the firm. Is this something that you can arrange?
This is something that we recommend - it is our preference to talk to you we do not take any clients on without you first talking to the solicitor who will be conducting your conveyancing in Dartford.There is no ‘factory style conveyancing’ - each client is an important individual, not a file reference. The solicitors that we put you in touch with believe that the figure you are quoted for residential conveyancing in Dartford should be the figure that you end up paying.
I am 3 weeks into a leasehold purchase having been referred to a firm by the high street agent to do our conveyancing in Dartford. I am am extremely disappointed with the quality of service. Could you help me find new lawyers?
A conveyancer would have to be very poor to suggest diss instructing them. Has your mortgage been issued? In the event that it has you need to make them aware of the new contact details and ensure the mortgage documents are re-issued. The conveyancer should be on the banks panel to avoid added charges and frustration. That should be your first question of the new conveyancers. The search tool should help you find a bank approved solicitor for your home move in Dartford