My mortgage broker has asked me for my Mortimer lawyer’ panel member for the Nat West conveyancing panel. Can you suggest how I obtain this. I have tried my local Mortimer office but they don't know it.
Have you tried contacting your Mortimer property lawyer about this?. Most Mortimer law practices will retain a file or database of lender panel information which would include, if applicable, their conveyancing panel details for each mortgage company.
Can your site be used to locate a Conveyancing solicitor in Mortimer even where I’m not buying or disposing of a house, for instance if I intend to buy an office in Mortimer with a loan from Platform Home Loans Ltd?
The service is primarily there to select residential conveyancing solicitors in Mortimer but we have set out towards the bottom of this page some Mortimer commercial conveyancing firms. You should speak with the company directly to check if they are also authorised to represent Platform Home Loans Ltd
Is it necessary during the course of the conveyancing process to attend the offices of the solicitor to sign the legal charge? If so, I will choose one who does conveyancing in Mortimer so that I can pop in to their offices when needed.
As opposed to ten years ago, the vast majority lenders no longer oblige their conveyancing panel lawyer to witness the mortgagors signature. You will still be obliged to provide identification documents and there are still manifest benefits to choosing a locally based solicitor, in your case a conveyancing solicitor in Mortimer.
We are buying a 4 bedroom semi-detached house in Mortimer. We would like to an extension at the rear at the house.Will legal investigations on the property involve enquiries to determine if these works were previously refused?
Your conveyancer should review the deeds as conveyancing in Mortimer can occasionally identify restrictions in the title deeds which prohibit categories of alterations or require the permission of a 3rd party. Certain works need local authority planning permissions and approval in accordance building regulations. Certain areas are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. You should check these issues with a surveyor before you commit yourself to a purchase.
Is it the case that all Mortimer conveyancing solicitors on the Aldermore conveyancing panel are overseen by the Solicitors Regulatory Authority?
As solicitors, in order to be on the Aldermore approved list of solicitors they would need to be regulated by the Solicitors Regulatory Authority. The majority of lenders do permit licenced conveyancers on their panel and in that case the practice would be regulated by the CLC.
I have today made my last payment due on my mortgage with Santander. I assume I don't need a Mortimer solicitor on the Santander panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Santander mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Santander mortgage from the register. Santander, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Santander has sent the Land Registry the discharge electronically, and
- Santander has instructed the Land Registry to do so
I am purchasing my first flat in Mortimer with a loan from Alliance & Leicester . The sellers would not reduce the amount so I negotiated £7000 of fixtures and fittings instead. The house builders rep advised me not reveal to my solicitor about this side-deal as it will adversely affect my mortgage with the bank. Do I keep my lawyer in the dark?.
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.
Are all Mortimer conveyancers on every bank conveyancing panel?
You can use our search tool or you can drop into your local lender branch in Mortimer. the probability is that they will be in a position to recommend some reputable conveyancing solicitors in Mortimer