We are purchasing a 2 bedroom flat in Kingsley with a mortgage. We wish to retain our Kingsley conveyancer, however the bank says he's not on their "panel". We have to appoint one of the mortgage company panel solicitors or keep our Kingsley lawyer and pay for one of their panel lawyers to act for them. We regard this is unjust; is there anything we can do?
No, not really. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the bank’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. Another option that might be available is for your Kingsley conveyancing lawyer to apply to be on the conveyancing panel.
Can the conveyancing lawyers that are recommend carry out auction conveyancing in Kingsley?
We know of a number of auction lawyers we can connect you with those who can conduct auction conveyancing. Kingsley is one of the many locations where our lawyers cover.
We see that you have a post code search directory listing law firms on the Bank of Ireland conveyancing panel. Do firms pay you a referral fee if I instruct them for our conveyancing in Kingsley?
We are a listing service only for law firms wishing to communicate if they are on the Bank of Ireland conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Kingsley.
Due to the guidance of my in-laws I had a survey completed on a property in Kingsley prior to retaining conveyancers. I have been advised that there is a flying freehold overhang to the house. The surveyor has said that some mortgage companies will refuse to issue a loan on such a house.
It varies from the lender to lender. Bank of Scotland has different requirements for example to Halifax. Should you wish to telephone us we can check with the appropriate bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Kingsley. Conveyancing may be slightly more expensive based on your lender's requirements.
How do I identify a Kingsley law firm on the National Westminster Bank conveyancing panel? I drive a motor bike and am willing to travel upto 25kilometers to meet the solicitor.
Feel free to make use of the search on this page. Please select a lender and your location and you will see a number of Kingsley conveyancing lawyers locally. We have detailed some Kingsley conveyancing firms at the bottom of this page and you can ring them to check whether they are on the National Westminster Bank approved list
Jane (my partner) and I may need to rent out our Kingsley garden flat for a while due to a career opportunity. We used a Kingsley conveyancing firm in 2004 but they have since shut and we did not think at the time get any advice as to whether the lease prohibits the subletting of the flat. How do we find out?
Some leases for properties in Kingsley do contain a provision to say that subletting is only permitted with prior consent from the landlord. The landlord is not entitled to unreasonably withhold but, in such cases, they would need to see references. Experience dictates that problems are usually caused by unsatisfactory tenants rather than owner-occupiers and for that reason you can expect the freeholder to take up the references and consider them carefully before granting permission.
I own a ground floor flat in Kingsley, conveyancing having been completed half a dozen years ago. Can you shed any light on how much the price could be for a 90 year extension to my lease? Corresponding properties in Kingsley with over 90 years remaining are worth £191,000. The ground rent is £55 yearly. The lease terminates on 21st October 2079
With 54 years unexpired the likely cost is going to span between £32,300 and £37,400 plus costs.
The figure above a general guide to costs for renewing a lease, but we are not able to supply a more accurate figure in the absence of comprehensive due diligence. Do not use the figures in tribunal or court proceedings. There are no doubt additional concerns that need to be considered and clearly you should be as accurate as possible in your negotiations. Please do not take any other action based on this information without first getting professional advice.