I am obtaining a mortgage with Lloyds. I intend to employ the services of a Licensed Conveyancer in Egremont. Does the Lloyds Conveyancing panel exclude Licensed Conveyancers?
The Lloyds conveyancing panel is, like many other lenders, associated to the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
We are looking to buy a house and need a conveyancing solicitor in Egremont who is on the Co-operative solicitor panel. Can you recommend a local conveyancing firm?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Co-operative . We don't recommend any particular firms conducting conveyancing in Egremont.
I'm the single beneficiary of my late grandmother’s estate with all property in now in my sole name, including the house in Egremont. The Egremont property was put into my name in August. I now wish to sell up. I do know about the Mortgage Lenders six month 'rule', meaning my proprietorship could be regarded the same way as though I had purchased the property in August. Will no one buy the property for half a year?
The Council of Mortgage Lenders’ handbook instructs solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you could be caught by that. How practical a view lenders take of it, depend on the lender as this provision is chiefly there to pick up on the purchase and immediately sell or the quick reselling of properties.
I have paid off my mortgage with Bank of Ireland. I assume I don't need a Egremont conveyancer on the Bank of Ireland panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Bank of Ireland mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Bank of Ireland mortgage from the register. Bank of Ireland, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Bank of Ireland has sent the Land Registry the discharge electronically, and
- Bank of Ireland has instructed the Land Registry to do so
After months of negotiation I have agreed a price on a house in Egremont. My financial adviser suggested a conveyancing practitioner. I paid an advanced payment of £225. A couple of days later, the conveyancer contacted me to say that they were not on the Lloyds conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Lloyds panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I opted to have a survey carried out on a property in Egremont prior to instructing conveyancers. I have been told that there is a flying freehold element to the house. My surveyor advised that some banks tend not give a mortgage on such a home.
It varies from the lender to lender. Santander has different requirements from Birmingham Midshires. Should you wish to call us we can check via the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Egremont. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Egremont to see if the conveyancing costs will increase in light of this.
How simple is it to switch conveyancer as I need to instruct a firm on the Godiva Mortgages Ltd conveyancing panel. I was using a local conveyancing solicitor in Egremont round the corner but the firm is not approved by Godiva Mortgages Ltd
It would be our pleasure to help you select a conveyancing solicitor in Egremont on the Godiva Mortgages Ltd panel. Please note that the solicitors that we list do not pay us commission if you instruct them and are under regulation of the SRA who oversee all conveyancing solicitors in Egremont. Using search facility on this site, you can compare and instruct different solicitors and conveyancers both nationally and in Egremont.
I am looking to buy a flat and need a conveyancing solicitor in Egremont who is on the mortgage company conveyancing panel. Could you point me in the right direction as regards a Egremont solicitor?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for the lender who carry out conveyancing in Egremont. We dont recommend any particular solicitor.