My financial adviser has asked me for my Harlow lawyer’ panel member for the Santander conveyancing panel. What is the best way to find this out. I have contacted my local Harlow office but they have not responded to me.
You are best placed to get this information from your Harlow conveyancing practitioner . They maintain a central record lender panel numbers.
I have given 8 weeks notice to my existing landlord and must vacate my rented flat in Harlow by the end of next month. Conveyancing for my house purchase has just started. Is it possible to complete in 4 weeks as I wish to avoid having to find short term accommodation?
Generally one should not serve notice on a rental until your lawyer suggests that you should. If you have not previously done so, notify to your solicitor and request that they apply pressure on the sellers lawyers, try to an agreed time frame that everyone will work towards
Can you point me to a directory of HSBC panel solicitors in Harlow on the Council of Mortgage Lender’s Website?
No. There is no such tool on the CML or Building Society Association websites. Very few mortgage companies make their panel listings open the public online. If you are seeking to appoint a Harlow property lawyer on the HSBC please use our facility.
My husband and I have organised the release of further funds on our home loan from Santander as we want to conduct improvements to our home in Harlow. Do we need to appoint a nearby Harlow solicitor on the Santander conveyancing panel to handle the paperwork?
Santander would not normally require firms on their approved list of lawyers to handle such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Santander conveyancing panel.
After shopping around on the internet I have found a Harlow lawyer having checked that they are on the Bank of Ireland conveyancing panel. Does my lawyer arrange the survey of the property?
Bank of Ireland will need an independent valuation of the property. Your lawyer will not arrange this. Usually Bank of Ireland will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Harlow surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
I appreciate that there are debates on Chancel Insurance on online forums. Am I compelled to have this when purchasing a house in Harlow? or I am told that there is a law dating back centuries that means some owners of property residing in a parish church boundary will be compelled to pay for maintenance towards the chancel in proximity to the church. Is this applicable for conveyancing in Harlow?
Unless a prior purchase of the premises took place after 12 October 2013 you may expect lawyers carrying out conveyancing in Harlow to continue to recommend a chancel search and or chancel repair liability policy.
I'm remortgaging my primary property to a buy to let mortgage with Nottingham Building Society and intend to use the remaining equity towards another house. The neighborhood we are interested in is Harlow. Will your lawyers be able to act for both sets of mortgage companies and tie in the transactions?
Do use our search tool on this site to check that the solicitors are approved by both banks. Having checked that they are the solicitor should be able to tie up the two deals but you should have a chat with you lawyer and make clear your desired outcome and requirements.
My wife and I are buying a studio flat in Harlow. At the point of instructing our solicitor, we were told they were on all major UK mortgage company panels. Our mortgage broker called today to say that they don't appear to be on the UBS approved list. Should that be true, what should we do? Should we just choose a different conveyancer that is on their approved list or do we cover the costs for separate representation, with UBS appointing their own preferred lawyer.
Where you are buying a property requiring a mortgage it is usual for the buyer’s solicitors to also act for the purchaser's lender. In order to act for a bank or building society a property lawyer has to be on that lender's conveyancing panel. An application has to be made by the conveyancer to the lender to become a member of the lender's panel and there are increasingly strict conditions which the conveyancer has to meet. Some mortgage companies now insist their panel firms to be part of the Law Society’s Conveyancing Accreditation Scheme. Your property lawyer should call UBS to find out if they can apply for membership of their conveyancing panel, but if that is not viable they will instruct their own solicitors to act. You are not legally obliged to appoint a law firm on UBS's conveyancing panel and you may continue to use your own Harlow solicitors, in which case your legal fees may increase, and it may delay matters as you are adding another solicitor into the mix.