Me and my partner are purchasing a 2 bedroom flat in Easthampstead with a mortgage. We have a Easthampstead solicitor, but the lender says she’s not on their "panel". We have to appoint one of the mortgage company panel conveyancing practices or keep our Easthampstead conveyancer as well as pay for one of their panel firms to represent them. We consider that this is inequitable; is there anything we can do?
No, not really. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the lender’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 Easthampstead conveyancing lawyer to apply to be on the conveyancing panel.
Do the conveyancing lawyers via your comparison service conduct attended exchange conveyancing in Easthampstead?
There are a few conveyancing specialists who can conduct 24hr exchanges. Do contact us to get a costs illustration and details as to dates.
We are expecting a mortgage offer soon. The bank mentioned the mortgage came with free conveyancing. Does this mean I have to appoint their panel lawyer as I would prefer to instruct a high street conveyancing solicitor in Easthampstead?
You should check but the chances are that allocate you one of their panel solicitors should you take up the "fee-free" incentive. Speak to the lender to explore if they make available a cash alternative. Some lenders have previously offered a £250 cashback as an alternative in which case you could put that amount towards the cost for your conveyancing solicitor in Easthampstead.
What can a local search tell me regarding the property my wife and I buying in Easthampstead?
Easthampstead conveyancing often starts with the submitting local authority searches directly from your local Authority or through a personal search organisations for example PSG The local search is essential in every Easthampstead conveyancing purchase; as long as you don’t want any unpleasant surprises after you move into your new home. The search should reveal information on, amongst other things, details on planning applications relevant to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 topic areas.
Despite weeks of looking the Title Certificate and documents to my property are lost. The conveyancers who handled the conveyancing in Easthampstead 5 years ago no longer exist. What do I do?
As long as you have a registered title the details of your proprietorship will be documented by HMLR under a Title Number. It is possible to execute a search at the Land Registry, find your house and get current copies of the Registered Entries for a small fee. Where the property is Leasehold then the Land Registry will also normally hold a file copy of the Registered Lease and again, a copy can be retrieved for a small fee.
What tools are available to search for a Easthampstead law firm on the Britannia conveyancing panel? I am a keen cyclist and am happy to travel upto 25miles to meet the conveyancer.
You can use the tool on this website. Please pick a lender and your location and you will see a number of Easthampstead conveyancing lawyers based on proximity. We have detailed some Easthampstead conveyancing firms towards the end of this page and you can call them to check whether they are on the Britannia member panel