My property lawyer in Horwich has never been on on the Bank of Ireland Solicitor Panel. Is it possible for me to retain my family solicitor notwithstanding that they are not on the Bank of Ireland panel of approved conveyancing solicitors?
The limited options open to you here include:
- Carry on with your preferred Horwich solicitors but Bank of Ireland will need to instruct a conveyancer on their panel. This will inevitably rack up the overall conveyancing charges and result in delays.
- Find a new lawyer to to deal with the purchase, obviously checking they are on the Bank of Ireland panel
How does conveyancing in Horwich differ for newly converted properties?
Most buyers of new build residence in Horwich contact us having been asked by the housebuilder to sign contracts and commit to the purchase even before the premises is completed. This is because house builders in Horwich tend to acquire the land, 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 property lawyers 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 Horwich or who has acted in the same development.
I opted to have a survey done on a property in Horwich before retaining conveyancers. I have been advised that there is a flying freehold overhang to the house. My surveyor advised that some banks may refuse to issue a loan on this type of premises.
It depends who your proposed lender is. HSBC has different instructions for example to Halifax. If you contact us we can look into this further via the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Horwich. Conveyancing may be slightly more expensive based on your lender's requirements.
What makes your site different to alternative internet conveyancing solicitors for conveyancing in Horwich?
At this site receive a conveyancing costs illustration via a Solicitor or Licensed Conveyancer that understands the issues for your conveyancing in Horwich. Unlike many estate agents and brokerage sites we are not in the business of charging firms a fee if you appoint them for your conveyancing in Horwich
In my capacity as executor for the will of my father I am selling a house in Swansea but live in Horwich. My solicitor (who is 300 miles awayneeds me to execute a stat dec prior to completion. Could you suggest a conveyancing solicitor in Horwich to attest this legal document for me?
strictly speaking you are not likely to need to have the documents attested by a conveyancing solicitor. Ordinarily or notary public or qualified solicitor will suffice regardless of whether they are Horwich based
My wife and I are purchasing a 2 bedroom flat in Horwich. When we first instructed conveyancer, they assured us that they were on all mainstream lender panels. Our mortgage broker called yesterday to advise that they don't appear to be on the RBS approved list. If it turns out to be true, what should we do? Do we just find a different conveyancing practitioner that is on their panel or do we cover the costs for dual representation, with RBS appointing their own approved lawyer.
Where you are purchasing a property needing a mortgage it is usual for the buyer’s solicitors to also act for the mortgage company. In order to act for a bank or building society a conveyancing practitioner 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 criteria which the property lawyer has to satisfy. Some lenders now require their panel firms to be part of the Law Society’s Conveyancing Accreditation Scheme. Your lawyer should call RBS to find out if they can apply for membership of their conveyancing panel, but if that is not viable they will instruct their own lawyers to represent them. You are not legally obliged to appoint a law firm on RBS's conveyancing panel as you are at liberty to use your preferred Horwich lawyers, in which case your legal fees may increase, and it may delay matters as you have another set of people involved.