My husband and I are intent on purchasing property in West Malling. My lawyer is not listed on the mortgage company conveyancing list. Can I still appoint my West Malling conveyancing solicitor even though they are not on the mortgage company approved list?
Your options include
- Proceed with your preferred West Malling solicitor but your lender will need to use a lawyer from their conveyancing panel. The net result is additional cost and probable interruption.
- Get a fresh solicitor to conduct the conveyancing, obviously checking they are on the mortgage company conveyancing panel.
- Appeal to your solicitor to seek to join the mortgage company panel
Would the conveyancing solicitors listed on your site perform conveyancing in West Malling by way of an attended exchange?
There are a few conveyancing experts who can conduct attended exchanges. You should contact us to secure a costs illustration and details as to availability.
What does my ID and proof of funds have anything to do with my conveyancing in West Malling? Is this really warranted?
West Malling conveyancing solicitors and indeed property practitioners throughout the UK have a duty under Anti-terror and anti-money-laundering rules to verify the identity of any client in order to satisfy themselves that clients are who they say they are.
Conveyancing clients are required to provide two forms of certified identification; proof of ID (typically a Passport or Driving Licence) and proof of address (usually a Utility Bill less than 3 months old).
Confirmation of source of funds is also necessary in compliance with the money laundering laws as solicitors are duty bound to ensure that the money you are using to buy a property (whether it be the deposit for exchange or the full purchase price if you are buying mortgage free) has originated from a reputable source (such as employment savings) rather than the proceeds of illegitimate activity.
My solicitor has informed me that defective lease insurance is required on my purchase. What is the level of cover for West Malling conveyancing?
The right level of defective lease indemnity insurance should be dictated by who your lender. It would differ for example between Accord Mortgages Ltd and Skipton Building Society. Conveyancing solicitors as opposed to members of the public take out such insurances.
Is there a list of Co-operative panel conveyancers in West Malling on the UK Finance Lenders’ Handbook Website?
No. There is no such facility on the Council of Mortgage Lenders or Building Society Association sites. Very few banks make their panel listings viewable on the web. If you are seeking to appoint a West Malling conveyancer on the Co-operative please make the most of our tool.
I am currently in the process of buying my council flat in West Malling. I have a mortgage agreed with Coventry BS. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Coventry BS, you will need to appoint a solicitor on the Coventry BS conveyancing panel.
How does the Landlord & Tenant Act 1954 impact my commercial offices in West Malling and how can you help?
The particular law that you refer to gives a safeguard to commercial leaseholders, granting the legal entitlement to make a request to court for a continuation of occupancy when the lease comes to an end. There are certain specified grounds where a landlord can refrain from granting a lease renewal and the rules are complex. Fees are different for commercial conveyancing. West Malling is one of the numerous areas of the UK in which the firms we work with are located
Is it best to instruct a West Malling conveyancing lawyer who is local to the property I am buying? We have a good friend who can execute the legal formalities however they are based approximately 350kilometers away.
The primary upside of using a local West Malling conveyancing practice is that you can visit the firm to execute documents, hand in your identification documents and apply pressure on them if necessary. Having local West Malling know how is a bonus. That being said nothing is more important than finding someone that will pull out all the stops for you. If other friends have instructed your friend and the majority were happy that must outweigh using an unfamiliar West Malling conveyancing lawyer just because they are local.