We are purchasing a 3 bedroom flat in Sunningdale with a mortgage. We have a Sunningdale conveyancer, however the bank says he's not on their "panel". We have to appoint one of the mortgage company panel solicitors or continue with our Sunningdale solicitor as well as pay for one of their panel firms to act for them. We regard this is unjust; are we not able to demand that the mortgage company use our Sunningdale solicitor ?
Unfortunately,no. The mortgage offered to you 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 Sunningdale conveyancing lawyer to apply to be on the conveyancing panel.
We are buying a property and need a conveyancing solicitor in Sunningdale who is on the Aldermore solicitor panel. Can you recommend a local conveyancing firm?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Aldermore . We don't recommend any particular firms conducting conveyancing in Sunningdale.
My grandmother passed away 10 months ago and as sole heir and executor I was left the property in Sunningdale. The house had a relatively small loan left on it of around £8000. I want to have the title changed into my name whilst I re-mortgage to RBS, pay off the mortgage. Is this possible?
If you plan to re-mortgage then RBS will insist on your using a conveyancer on the RBS conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your RBS conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the RBS mortgage is registered as a charge at the Land Registry.
I have todaydiscovered that Arc property Solicitors have been shut down. They conducted my conveyancing in Sunningdale for a purchase of a leasehold apartment 18 months ago. How can I be sure that my home is registered correctly in the name of the previous owner?
The quickest way to check if the premises is registered to you, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Sunningdale conveyancing specialists.
Due to the input of my in-laws I had a survey completed on a property in Sunningdale prior to retaining conveyancers. I have been informed that there is a flying freehold aspect to the house. The surveyor has said that some mortgage companies may refuse to grant a loan on a flying freehold premises.
It depends who your proposed lender is. Bank of Scotland has different instructions for example to Nationwide. If you contact us we can investigate further via the relevant bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Sunningdale. Conveyancing may be slightly more expensive based on your lender's requirements.
Are there any apps to assist me to identify a Sunningdale solicitor on the Chelsea Building Society conveyancing panel? I have a car and am happy to travel upto 25kilometers to meet the conveyancer.
Feel free to make use of the facility on this page. Please choose the lender and your location and you will see a number of Sunningdale conveyancing lawyers based on proximity. We have detailed some Sunningdale conveyancing firms towards the end of this page and you can ring them to see if they are on the Chelsea Building Society panel