Just been in touch with my conveyancing solicitor in Havant who conducted the legals two years ago asking for a conveyancing quote based on the same type of house move (a leasehold property and a freehold premises) of almost identical values with a loan from Birmingham Midshires. I am now being quoted twice the amount. Stick with what I know or do I try and find a cheaper internet firm of conveyancing solicitor?
The estimate does seem a little on the high side. If you are willing to spend time scrutinising costs you may be able to decrease the fees slightly by perhaps a hundred pounds. On the other hand, providing that you were happy with the service the firm gave you mightcome to rue choosing an an unknown lawyer. If is important to be sure the firm can act for Birmingham Midshires. Do use our search tool to choose a Havant conveyancing firm on the Birmingham Midshires approved list of lawyers, which can often include conveyancing solicitors in Havant.
We note that you have a search directory listing firms on the Yorkshire BS conveyancing panel. Do firms pay you a referral fee if I appoint them for our conveyancing in Havant?
We are a listing service only for law firms wishing to communicate if they are on the Yorkshire BS conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Havant.
My fiance and I are purchasing a newbuild flat in Havant with a residential mortgage from Halifax.We have a Havant conveyancing solicitor but Halifax says he's not listed on their "panel". We have to appoint a Halifax panel solicitor or retain our local solicitor and pay for a Halifax panel lawyer to act for them. This seems very unfair; is there anything we can do?
No, not really. The mortgage offered to you contains various provisions, one of which will be that lawyers will be on the Halifax approved list. in the past, most banks had large numbers of solicitors 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. A further alternative is for your lawyer to apply to be on the conveyancing panel for Halifax
Is it the case that all Havant CQS (Conveyancing Quality Scheme) solicitors are on the Lloyds conveyancing list of approved solicitors?
A selection of lenders now make use of CQS as the kick off point for Panel membership such as HSBC and Santander. The Law Society’s CQS accreditation however is no guarantee to lender panel acceptance. Nevertheless,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for solicitors wishing to remain on their approved list of firms.
Is it the case that all Havant conveyancing solicitors on the Santander conveyancing panel are overseen by the Solicitors Regulatory Authority?
As solicitors, in order to be on the Santander conveyancing panel they would need to be overseen by the Solicitors Regulatory Authority. The majority of banks do list licenced conveyancers on their panel in which case such practice would be regulated by the CLC.
We have agreed to purchase a house in Havant. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Principality be concerned?
Given that your lender is Principality your lawyer must comply with the conveyancing requirements outlined in Section 2 of UK Finance Lenders’ Handbook for Principality. The CML Handbook stipulates minimum provisions for solar panel roof-space leases, and property lawyers are required to report to Principality where a lease does not meet these specifications. The specifications relate to the installation of panels on properties countrywide and is not limited to Havant.
The deeds to my home can not be found. The solicitors who dealt with the conveyancing in Havant 10 years ago are no longer around. What are my next steps?
Gone are the days when you need to hold title deeds to evidence that you are the registered proprietor of land or premises, as the Land Registry have everything they need in a digital format.
How does conveyancing in Havant differ for newly converted properties?
Most buyers of new build property in Havant contact us having been asked by the housebuilder to sign contracts and commit to the purchase even before the residence is built. This is because new home sellers in Havant tend to buy the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Havant or who has acted in the same development.