My wife and I are purchasing a 1 bedroom flat in Kingsbridge with a mortgage. We wish to retain our Kingsbridge lawyer, but the mortgage company advise she’s not on their "panel". We have to appoint one of the bank panel firms or continue with our Kingsbridge conveyancing practitioner and pay for one of their panel ones to represent them. We feel that this is inequitable; can we not demand that the bank use our Kingsbridge conveyancing practitioner ?
No, not really. Your mortgage offer is subject to its terms and conditions, one of which will be that lawyers will on the lender’s conveyancing panel. Until recently, most lenders had large numbers of law firms 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 Kingsbridge conveyancing solicitor to apply to be on the conveyancing panel.
Please could you recommend a Britannia sanctioned Kingsbridge conveyancing solicitor that can complete within a very limited time frame? Would it be better to use a local Kingsbridge solicitor or a factory type comparison site?
We would be happy to suggest some excellent Kingsbridge conveyancing firms. You can also walk up the high street in Kingsbridge. Visit a couple of law practices and ask to speak with a conveyancing solicitor for a quote. Discuss your time frames together with the reasons and get a commitment on speed. Appoint the one that genuine.
Can I be sure that the Kingsbridge conveyancing solicitor on the Skipton panel is any good?
When it comes to conveyancing in Kingsbridge obtaining recommendations is a sensible starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one advertising the lowest fees. We would always advise that you speak with the lawyer conducting your conveyancing.
I have decided to exercise my right to buy my property in Kingsbridge off the council. I have a mortgage offer with UBS. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with UBS, you will need to appoint a solicitor on the UBS conveyancing panel.
About to purchase house in Kingsbridge. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Nottingham conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Kingsbridge conveyancer is on the Nottingham conveyancing panel.
Due to the guidance of my in-laws I had a survey completed on a property in Kingsbridge prior to appointing solicitors. I have been informed that there is a flying freehold aspect to the house. The surveyor advised that some lenders may not issue a mortgage on such a house.
It varies from the lender to lender. Bank of Scotland has different instructions for example to Nationwide. Should you wish to telephone us we can check via the relevant bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Kingsbridge. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Kingsbridge to see if the conveyancing will be more expensive.
I have been recommended by a number of property agents in Kingsbridge to select a property lawyer using your seach tool. What’s the financial advantage for Estate Agents to offer your lawyers rather than alternative conveyancing organisations?
We refuse to offer any financial incentive for pointing buyers and sellers in our direction. We found it would be just too difficult a fee because home movers will think, ‘How come the agent getting a kickback? Why aren’t I receiving any benefit too?’ We would prefer to grow our business on genuine recommendations.
I am looking to buy a property and require a conveyancing solicitor in Kingsbridge who is on the lender approved panel. Could you point me in the right direction as regards a Kingsbridge conveyancing firm?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for the mortgage company who do conveyancing in Kingsbridge. We dont recommend any particular solicitor.