I can't travel far from Frizington. Is there a reason why all Frizington lawyers are not on all mortgage company panels?
Pre- 2008 most lenders had an attitude to risk which differs from the current day. The Financial Services Authority in 2010 instigated a thematic review into property fraud which in summary warned lenders: know the conveyancers on your panel. Consequently, mortgage companies have since looked to extract more information from law firms about their operations and the individuals employed by them and set certain criteria such as completing a minimum volume of transactions. Hundreds of firms have been excluded from lender panels even though they had 100% healthy track record, no complaints and zero claims and didn't just 'dabble' in conveyancing. Many firms were never going to satisfy the minimum volume of transactions the mortgage companies insisted on.
Can I use your services to find a Conveyancing solicitor in Frizington even where I’m not purchasing or selling a house, for instance if I intend to buy an office in Frizington with a mortgage from Britannia?
Our search tool is predominantly utilised to help choose domestic conveyancing solicitors in Frizington but we have set out towards the end of this page a selection of Frizington commercial conveyancing firms. You will need to make contact with the firm directly to see if they can also act for Britannia
I am purchasing a garden flat in Frizington. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing in Frizington you will have to appoint a solicitor on your lender's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Frizington.
A colleague advised me that in purchasing a property in Frizington there may be various restrictions preventing external changes to the property. Is this right?
We are aware of anumerous of properties in Frizington which have some sort of restriction or requirement of consent to carry out external changes. Part of the conveyancing in Frizington should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I recently had an offer accepted on an apartment in Frizington. My mortgage broker pressured me to appoint their conveyancing practitioner. I paid an upfront payment of £200. Shortly after, the conveyancer contacted me embarrassingly acknowledging that they were not on the Santander 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 Santander 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 had an offer accepted on a property in Frizington on 14/1/2025, valuation was booked 2 days later, received a clean bill of health. Property lawyer retained, so all that was missing was my mortgage offer. Having made daily calls to Bank of Ireland and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Bank of Ireland conveyancing panel. Are Bank of Ireland entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Bank of Ireland to deal with your lawyer's application to be on the Bank of Ireland conveyancing panel. There's no guarantee that your solicitor will be accepted.
I require expedited conveyancing in Frizington as I am faced with pressure to exchange contracts inside one month. A home loan is not required. Can I decline from having conveyancing searches to save money and time?
If.Given you are not obtaining a mortgage you are at free not to have searches carried out although no solicitor would advise that you don't. With lots of history conveyancing in Frizington the following are examples of issues that can arise and adversely impact future mortgageability: Refused Planning Applications, Overdue Fees, Overdue Grants, Railway Schemes,...
My wife and I purchased a terraced Georgian property in Frizington. Conveyancing lawyer acted for me and Bank of Ireland. I did a free Land Registry search last week and there are a couple of entries: one for freehold, another for leasehold with the exact same property. I'd like to know for sure, how can I find out??
You should read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Frizington and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with purchasers. You can also question the position with your conveyancing practitioner who conducted the conveyancing.