My fiance and I are hoping to buy a newbuild apartment in Bourne End with a loan from HSBC Bank.We like our Bourne End conveyancing solicitor but HSBC Bank informed us his firm is not on their approved list of firms. It seems we are left with no choice but to instruct a HSBC Bank panel lawyer or keep our local solicitor and pay for a HSBC Bank panel lawyer to represent them. This seems very unfair; is there anything we can do?

Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, a common one being that solicitors will be on the HSBC Bank solicitor panel. in the past, most banks 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. A further alternative is for your solicitors to apply to be on the conveyancing panel for HSBC Bank

Do I select a Licenced Conveyancer or Solicitor for conveyancing in Bourne End?

There are many recorded licenced Conveyancers in Bourne End and Solicitor partnerships in Bourne End who can assist with your conveyancing It is important to make clear that both are supervised by regulatory bodies with both specialising in the legal aspects of the home buying process. The two can conduct associated property related work such as remortgage conveyancing, enfranchisement and transfer of equity conveyancing.

Are all Bourne End Conveyancing Quality Solicitors on the Clydesdale conveyancing list of approved firms?

A selection of lenders now utilise CQS as the starting point for Panel approval such as HSBC and Santander. The Law Society’s CQS membership however gives no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for firms wishing to join their panels.

We have agreed to purchase a house in Bourne End. An unusual aspect is that the roof has a solar panel. Lloyds have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?

Given that your lender is Lloyds your lawyer must comply with the conveyancing instructions outlined in Section 2 of UK Finance Lenders’ Handbook for Lloyds. The CML Handbook stipulates minimum requirements for solar panel roof-space leases, and conveyancing practitioners are required to report to Lloyds where a lease does not meet these provisions. The specifications relate to the installation of panels on properties countrywide and is not isolated to Bourne End.

I am downsizing from my home. My previous conveyancers have shut. It would be helpful to have a recommendation of a conveyancing firm. I happen to live in Bourne End if that makes things easier.

Please use our search tool to help you choose a solicitor for your conveyancing in Bourne End. We have connected thousands of home buyers and sellers with regulated solicitors to ensure that the legalities of their house move goes with a minimum of fuss.

I am 18 days into a freehold purchase having been referred to a firm by the estate agent to carry out the conveyancing in Bourne End. We are not happy. Can you you assist me in finding new lawyers?

A lawyer would have to be really poor to suggest replacing them. Has the mortgage offer been generated? In the event that it has you must inform them of the new contact details and ensure the offer are re-issued. The conveyancer should be on the mortgage company approved list to avoid added expenses and frustration. That should be your starting point. Our find a solicitor tool can help you find a bank approved conveyancer for your conveyancing in Bourne End

I have instructed a Bourne End conveyancing solicitor for our house purchase (first time buyers) and have picked up in the Ts and Cs that they are not covered by the Financial Conduct Authority. Should I be worried or is that standard with solicitor?

We can't see why they should be. Most lawyer don't lend money. You should check that they are regulated by the Solicitors Regulation Authority, who set strict laws in relation to monies deposited in their bank.