We are purchasing a 3 bedroom flat in Selsey with a mortgage. We wish to retain our Selsey conveyancer, but the lender says she’s not on their "panel". We have to appoint one of the mortgage company panel solicitors or retain our Selsey lawyer as well as pay for one of their panel firms to represent them. This feels very unfair; is there anything we can do?
No, not really. Your mortgage offer 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 Selsey conveyancing solicitor to apply to be on the conveyancing panel.
Me and my fiancee are acquiring our first house. Our lawyer has texted usto check if we would like to take out extra conveyancing searches. We are really unsure what's appropriate for conveyancing in Selsey
The scope of Selsey conveyancing searches depends entirely on the property, the location, the probability of any of these risks, your knowledge of the region and risks, your general attitude to risk. What is important is that you adequately understand what information the searches could give you. You may then decide if you consider that you need that search. Should you be uncertain, ask the lawyer to explain.
Can your site be used to recommend a Conveyancing solicitor in Selsey even where I’m not purchasing or disposing of a house, for example where I wish to buy a shop in Selsey with a mortgage from HSBC Bank?
Our search tool is predominantly utilised to help choose residential conveyancing solicitors in Selsey but we have recorded towards the end of this page a few Selsey commercial conveyancing firms. You should speak with the company directly to check if they can also act for HSBC Bank
How do I discover of the solicitor conducting my conveyancing in Selsey is on the lender’sapproved panel? I am looking to avoid the situation of having one lawyer for me and one for Birmingham Midshires thus spending £192.00 in further legal charges.
Please do take advantage of the search tool on this page. Please choose the lender and type ‘Selsey’ or your location and you will see a number of lawyer offices in Selsey or by proximity to you.
Me and my brother own a 4 bedroom Georgian property in Selsey. Conveyancing solicitor acted for me and The Royal Bank of Scotland. I happened to do a free search for it on the Land Registry database and there are two entries: the first freehold, another for leasehold under the exact same property. Is it worth asking The Royal Bank of Scotland to clarify?
You should read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Selsey and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also enquire as to the position with your conveyancing solicitor who conducted the purchase.
We are seeking to acquire a repossessed house in Selsey and the mortgagee in possession would like to complete inside 28 days. Do lawyers complete in this timeframe? Would it be better to select a local Selsey firm or an online conveyancer that advertises to complete quickly?
Attend your Selsey shopping parade. Go in to two or three companies and ask to talk to a conveyancing solicitor for a quote. Discuss your requirements and get a commitment on time frames. Choose the firm that appears most efficient. Be sure to select a lawyer on the list of conveyancing practitioners acceptable to your mortgage company.