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Find a Barnehurst Conveyancing Solictior on Your Lender’s Panel

Ready to buy a new home in Barnehurst? Failing to check that a lawyer is on your lender’s list of approved solicitors can put your Barnehurst transaction at risk of delay or failure.

Only LenderPanel.com provides a subset of authorised Barnehurst conveyancers for over 130 lenders.


Recently asked questions about conveyancing in Barnehurst

I plan on purchasing a leasehold flat in Barnehurst. My property lawyer is not on the lender conveyancing panel. Can I still continue with my Barnehurst conveyancing solicitor notwithstanding that they are excluded from the bank list of approved lawyers?

You will need to use a property lawyer to deal with the legal work required when you need a mortgage to buy your property. They will conduct all the relevant due diligence on the property, ensuring that you’re registered as proprietor and ensure that all the necessary mortgage documentation is dealt with. One can appoint a Barnehurst property lawyer of your choice. Nevertheless, where the conveyancer appointed is not on the lender conveyancing panel additional charges will be levied as separate legal representation will be required by them. Bank panel applications may be submitted, so where your lawyer has not in the past sought membership they can do so.

My fiance and I wish to acquire a purpose built apartment in Barnehurst with a residential mortgage from Barclays .We use our Barnehurst conveyancing solicitor but Barclays advised that he's not listed on their approved list of firms. We have to appoint a Barclays panel lawyer or keep our high street solicitor and fork out for one of their panel ones to represent them. This seems very unfair; is there anything we can do?

Unfortunately,no. The mortgage offered to you is subject to its various provisions, one of which will be that conveyancers must be on the Barclays solicitor panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could find 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 solicitors to apply to be on the conveyancing panel for Barclays

I own a terraced Edwardian property in Barnehurst. Conveyancing solicitor acted for me and TSB. I did a free Land Registry search last week and there are two entries: the first freehold, another for leasehold with the matching property. Is it worth asking TSB to clarify?

You need to read the Freehold register you have again and check the Charges Register for 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 Barnehurst and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also question the position with the conveyancing practitioner who completed the work.

Over the last few months I have been searching for a ground for flat up to £245,000 and found one round the corner in Barnehurst I like with amenity areas and station nearby, the downside is that it only has 52 years on the lease. I can't really find anything else in Barnehurst for this price, so just wondered if I would be making a grave error acquiring a short lease?

Should you need a mortgage the remaining unexpired lease term will likely be problematic. Reduce the price by the amount the lease extension will cost if it has not already been discounted. If the current proprietor has owned the premises for a minimum of 2 years you could ask them to commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the current lease term with a zero ground rent applied. You should speak to your conveyancing lawyer about this.

After what feels like an age I have had an offer on an maisonette in Barnehurst agreed to, but there is a chain. The vendors have offered on on an apartment, although it’s not yet agreed to, and has viewings of other apartments in the pipeline. I have selected a nearby conveyancing solicitor in Barnehurst. What should be my next step? At what stage should I apply for the mortgage with Co-operative?

It is understandable to have anxieties where there is a chain given your reluctance to incur expenses prematurely (home loan application is in the region of £1k, then survey, Barnehurst conveyancing search charges, etc). First, you must check that your property lawyer is on the Co-operative conveyancing panel. Concerning the next phase this very much dictated by the specifics of your case, desire for the property and on the state of the market. In a rising market many purchasers will apply for a home loan with Co-operative and pay for the valuation and only if it comes back ok would they ask their lawyer to move forward with searches.

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