Much to our surprise we have been told by our estate agent that my Malton lawyer is not on the bank Solicitor panel. What can I do to be sure whether this is correct?
The first thing you need to do is to call your Malton conveyancer. You lawyer should notify you of the situation. If they are not on the panel they could put your in touch with solicitors on the conveyancing panel for your mortgage company.
My Solicitor in Malton has never been on on the Birmingham Midshires Solicitor Panel. Can I still continue with my prefered solicitor even though they are excluded from the Birmingham Midshires panel of approved conveyancing solicitors?
The limited options available to you here include:
- Complete the purchase with your preferred Malton lawyers but Birmingham Midshires will need to instruct a solicitor on their list of acceptable firms. This will result in additional total conveyancing fees and result in frustration.
- Choose an alternative solicitor to act in the purchase, remembering to check they are on the Birmingham Midshires panel
We are aiming to move home in April. Should my conveyancing solicitor update the removal company on the day of completion. On a separate note, can you put forward a removal company in Malton. Conveyancing solicitor was chosen prior to coming across this site.
On the day of completion you will need to pick up the house keys from the property agent however this can only take place once the vendors lawyers confirm to the agent that they acknowledge receipt of the completion payment and the keys can be released. You can advise the removal men that they can start moving you in. We do not suggest a specific removal organisation but can assist you in locating a residential property solicitor in Malton or a solicitor that specialises in conveyancing in Malton.
Can you point me to a directory of Nationwide panel solicitors in Malton on the UK Finance Lenders’ Handbook Website?
Unfortunately not yet. There is no such tool on the CML or Building Society Association websites. Very few lenders make their panel listings open the public on the web. Where you are looking for a Malton lawyer on the Nationwide please make the most of our tool.
The formalities of my purchase has taken place for my property in Malton. Conveyancing was of an acceptable standard but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?
Almost all banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Team 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 am purchasing my first flat in Malton with a mortgage from The Royal Bank of Scotland. The builders would not reduce the amount so I negotiated 6k of additionals instead. The property agent advised me not reveal to my solicitor about the deal as it would affect my loan with The Royal Bank of Scotland. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I was recommended by a couple of local estate agents in Malton to find a property lawyer using your seach tool. Is there a financial inducement for Estate Agents to market your site rather than alternative conveyancing organisations?
We refuse to offer any financial incentive for pointing buyers and sellers to this site. We found it would be just too difficult a fee as home movers will think, ‘How come the agent getting a kickback? Why aren’t I getting any benefit too?’ So we decided to step away from that.
My mother purchased her house in Malton 7 years past. She has got married, widowed and is now remarried. She now intends to the sell the Malton property. I suspect that she will simply be requested to provide a copy of her marriage papers to the property lawyer but she is anxious it will delay the conveyancing. Is it worth updating the title details for the house?
You are not required to bring up to date the title for the property as long as you have the proof required to show how the change of name resulted.
Any buyer’s property lawyer will check the registered entries and ask for evidence by way of proof of the change of name e.g. marriage documentation.