I am hoping to receive a mortgage with Halifax. I intend to enlist the help of a Licensed Conveyancer in Pagham. Does the Halifax Conveyancing panel allow for Licensed Conveyancers?
The Halifax conveyancing panel is, like many other lenders, represented by the CML or BSA, open to Licensed Conveyancers regulated by the CLC.
We are acquiring our first home. The conveyancer has texted usto check if we wish to order extra conveyancing searches. We are really unsure what's recommended for conveyancing in Pagham
The range of Pagham conveyancing searches should be dictated entirely on the property, the location, the likelihood of any of these risks, your familiarity of the locality and risks, your overall approach to risk. What is important is that you properly understand what information each search could provide. Then you can decide if you consider that you need that search. Should you be unsure, ask your property lawyer to guide you.
Are the Pagham conveyancing solicitors identified as being on the TSB conveyancing panel, together with their details provided by TSB?
Pagham conveyancing firms themselves provide us confirmation that they are on the TSB conveyancing panel as opposed to being supplied with a list from TSB directly.
I am purchasing my first flat in Pagham with the aid of help to buy. The builders refused to move on the price so I negotiated 6k of additionals instead. The sale representative advised me not to tell my solicitor about this deal as it may adversely affect my loan with the bank. Is this normal?.
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.
Am I right to be concerned about estate agents that I am dealing with are recommending an online conveyancing firm as opposed to a High Street Pagham conveyancing practice?
As is the case with lots of professional services, often recommendations from connections can be very helpful. Nevertheless there are lots of players in a conveyancing matter; estate agents, mortgage brokers and banks may suggest lawyers to retain. On occasion the conveyancers might be known to one of the organisations as experts in their field, but sometimes there may be a financial incentive behind the endorsement. You are free to appoint your preferred conveyancer. However, bear in mind that some lenders operate an approved list of solicitors you have to use for the mortgage related work in your transaction.
My brother has suggested that I instruct his conveyancing solicitors in Pagham. Should I choose my own property lawyer?
There are no two ways about it the best way to choose a conveyancing lawyer is to get feedback from friends or relatives who have used the conveyancer that you are contemplating using.