I am progressing with the sale of my house in St Columb and the estate agent has just text me to advise that the buyers are appointing a new law firm. The excuse is that the lender will only engage with property lawyers on their conveyancing panel. On what basis would a leading mortgage company only deal with certain solicitors rather the firm that they want to select for their conveyancing in St Columb ?
Mortgage companies have always had panels of law firms they are willing to work with, but in the past few years big names such as Santander, have reviewed and reduced their conveyancing panel– in some cases removing conveyancing firms who have acted for them for over 25 years.
Lending institutions justify this action to a rise in fraud by way of justification for the reduction – criteria have been tightened as a smaller panel is easier to monitor. Banks tend not to reveal how many solicitors have been dropped, claiming the information is commercially sensitive, but the Law Society says it is hearing daily from firms that have been removed from panels. Some are unaware that they have been dropped until contacted by a borrower who has instructed them as might be the situation in your buyers' case. The buyers are not going to have any impact on this.
We see that you have a search directory listing law firms on the Coventry BS conveyancing panel. Do firms pay you a commission if I appoint them for our conveyancing in St Columb?
We are a listing service only for law firms wishing to communicate if they are on the Coventry BS conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in St Columb.
What is the difference between a licensed conveyancer and conveyancing solicitor in St Columb
There are many registered licenced Conveyancers in St Columb and Solicitor firms in St Columb who provide Conveyancing services It is important to make clear that both are regulated professionals specialising in the legal work in transferring property. The two can handle other property legal work such as remortgage conveyancing, lease extensions and transfer of equity conveyancing.
A friend advised me that in buying a property in St Columb there could be various restrictions as to what one can do in terms of external changes to a property. Is this right?
There are a number of properties in St Columb which have some sort of restriction or requirement of consent to perform external alterations. Part of the conveyancing in St Columb should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
My offer was accepted on a house in St Columb on 7/10/2025, valuation was booked five days later, received a clean bill of health. Conveyancer retained, so the only thing outstanding was my mortgage offer. Having made daily calls to Co-operative and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Co-operative conveyancing panel. Are Co-operative entitled to hold back the Mortgage pending the lawyer being on the approved list?
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Co-operative to deal with your lawyer's application to be on the Co-operative conveyancing panel. There's no guarantee that your solicitor will be accepted.
I need some expedited conveyancing in St Columb as I am under an ultimatum to exchange contracts within 2 weeks. A mortgage is not required. Can I avoid the conveyancing searches to save fees and time?
If.Given you are not obtaining a home loan you are at liberty not to have searches conducted although no law firm would suggest that you don't. With plenty of history conveyancing in St Columb the following are examples of issues that can crop up and adversely impact market value: Enforcement Actions, Overdue Fees, Outstanding Grants, Road Schemes,...
Despite weeks of looking the Title Certificate and documents to my house are lost. The conveyancers who conducted the conveyancing in St Columb 10 years ago no longer exist. What are my next steps?
These day there are copies made of almost everything, and your conveyancer will be aware precisely where to locate all the suitable documentation so you can buy or sell your property without a hitch. If duplicates can’t be located, your conveyancer can arrange cover in the form of insurance or indemnities protecting you against possible claims on the property.
I opted to have a survey completed on a house in St Columb before instructing solicitors. I have been informed that there is a flying freehold overhang to the house. Our surveyor advised that some mortgage companies will not give a loan on such a property.
It varies from the lender to lender. Santander has different instructions for example to Nationwide. Should you wish to telephone us we can check via the relevant bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in St Columb. Conveyancing will be smoother if you use a solicitor in St Columb especially if they regularly deal with such properties in St Columb.