Me and my fiance are purchasing a flat in Holywell. My property lawyer is not on the lender approved panel. Can I still retain my Holywell conveyancing solicitor notwithstanding that they are excluded from the bank list of approved lawyers?
You have a number of options available to you here
- Carry on with your preferred Holywell solicitor but your lender will need to instruct a conveyancing practitioner on their conveyancing panel. The net result is additional charges together with likely interruption.
- Choose a fresh solicitor to conduct the conveyancing, ensuring that they are on the lender conveyancing panel.
- Convince your lawyer to attempt to join the bank panel
I do hope you can assist me. My Holywell conveyancer is assuring me that he is legally obliged toapply for Holywell conveyancing searches due to the fact thatthe firm are on the Santandersolicitor panel. Do I not have a choice here?
You have limited options available to you. As you are taking a mortgage with a mortgage company your conveyancing practitioner has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your property lawyer would have previously signed the Terms and Conditions of your bank’s conveyancing panel appointment which obliges them to follow the Council of Mortgage Lenders’ Handbook specifications . Even if you were a cash buyer you would be ill advised not to carry out Holywell conveyancing searches.
I am buying a house and need a conveyancing solicitor in Holywell who is on the Bank of Scotland solicitor. Could you point me in the right direction as regards a firm?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Bank of Scotland in certain locations such as Holywell. We dont recommend any particular firm.
A friend advised me that in purchasing a property in Holywell there may be various restrictions as to what one can do in terms of external changes to the property. Is this right?
We are aware of anumerous of properties in Holywell which have some sort of restriction or requirement of consent to perform external changes. Part of the conveyancing in Holywell should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
We are aiming to move home in December. Should my conveyancing solicitor liaise with the removal company on the day of completion. Incidentally, can you suggest a removal company in Holywell. Conveyancing lawyer was organised before I stumbled across this website.
On the day of completion you will need to pick up the house keys from your estate agent however this should only be done when the vendors conveyancers advise the agent that they acknowledge receipt of the completion payment and the keys can be collected. Subsequently you will need to inform the removal men that they can start moving you in. As a matter of policy we do not recommend a particular removal company but can help you choose a residential property solicitor in Holywell or a lawyer that specialises in conveyancing in Holywell.
Completion of my remortgage has taken place for my property in Holywell. Conveyancing was satisfactory but I would like to complain about the lender. How does one go about formally complaining?
Almost all lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Department at head office. In most cases complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
I have been on the look out for a flat up to £305k and identified one close by in Holywell I like with open areas and transport links nearby, the downside is that it's only got 51 years unexpired on the lease. There is not much else in Holywell in this price bracket, so just wondered if I would be making a grave error purchasing a lease with such few years left?
If you require a home loan the shortness of the lease will likely be an issue. Reduce the offer by the amount the lease extension will cost if not already taken into account. If the existing proprietor has owned the property for at least twenty four months you can ask them to start the process of the extension and then assign it to you. You can add 90 years to the current lease with a zero ground rent applied. You should speak to your conveyancing solicitor concerning this.
I note that you have a search directory identifying solicitors on the lender conveyancing panel. Do Holywell conveyancing companies pay you a referral fee if I appoint them for my house purchase?
We are a listing service only for law firms wishing to communicate if they are on the lender conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint for your conveyancing in Holywell.