My fiance and I wish to acquire a purpose built apartment in Keelby with a mortgage from Coventry Building Society.We like our Keelby conveyancing practitioner but Coventry Building Society advised that her practice is not listed on their "panel". It seems we have no choice but to instruct a Coventry Building Society panel solicitor or retain our preferred solicitor and pay for one of their panel ones to represent them. We feel as though this is unjust; is there anything we can do?
Unfortunately,no. The mortgage offered to you contains various provisions, a common one being that lawyers needs to be on the Coventry Building Society approved list. Until recently, 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. Another option that might be available is for your solicitors to apply to be on the conveyancing panel for Coventry Building Society
I know that there are debates on Chancel Insurance on online forums. Am I compelled to take this when purchasing a residence in Keelby? or I am told that there is an ancient law that means some homeowners living in a parish church boundary may be liable to pay for repairs to the chancel within the church. Is this appropriate for conveyancing in Keelby?
Unless a prior acquisition of the property took place after 12 October 2013 you can expect lawyers delivering conveyancing in Keelby to continue to suggest a chancel search and or chancel repair liability insurance.
My wife and I have a 4 bedroom Edwardian house in Keelby. Conveyancing lawyer acted for me and Barnsley Building Society. I did a free Land Registry search last week and there are two entries: one for freehold, another for leasehold under the exact same address. I thought I was buying a freehold how can I check?
You should review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Keelby and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also check the position with the conveyancing solicitor who conducted the purchase.
I decided to have a survey carried out on a property in Keelby in advance of retaining solicitors. I have been told that there is a flying freehold overhang to the property. The surveyor advised that some lenders may not give a loan on such a premises.
It varies from the lender to lender. Lloyds has different requirements for example to Nationwide. If you contact us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Keelby. Conveyancing may be slightly more expensive based on your lender's requirements.
How simple is it to transfer to a new firm as I need to instruct a firm on the Aldermore conveyancing list. I was using a high street conveyancing solicitor in Keelby five minutes from me but he is not approved by Aldermore
It would be our pleasure to assist you select a conveyancing solicitor in Keelby on the Aldermore panel. Please note that the conveyancers that we list do not pay us commission if you instruct them and are authorised and regulated by the SRA who oversee all conveyancing solicitors in Keelby. Using search facility on this page, you can compare fees for conveyancing solicitors in Keelby and beyond.
I'm buying a house in Keelby. I have found my conveyancer's company on the Law Society's list, but I can't locate my conveyancer's name as listed on the regulator's website. Is this a big problem?
Not all staff in the company must be listed by the regulator. Provided there is someone qualified to 'oversee' the transaction, the actual day-to-day activity can be conducted by unqualified staff.