My husband and I wish to acquire a purpose built flat in Brinklow with a residential mortgage from Platform Home Loans Ltd.We would like to retain our Brinklow conveyancing practitioner but Platform Home Loans Ltd says he's not listed on their approved list of firms. we are left little option but to use a Platform Home Loans Ltd panel firm or keep our local solicitor and fork out for one of their panel ones to represent them. This seems very unfair; Can we not simply insist that Platform Home Loans Ltd use our lawyer?
Unfortunately,no. The loan issued to you is subject to its terms and conditions, one of which will be that solicitors needs to be on the Platform Home Loans Ltd conveyancing panel. Until recently, most lenders had large numbers of solicitors 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 lawyer to apply to be on the conveyancing panel for Platform Home Loans Ltd
We are due to move house in December. Will my conveyancing solicitor update the removal company on the completion day. As an aside, can you suggest a removal company in Brinklow. Conveyancing firm was chosen prior to coming across your website.
On the day of completion you will need to collect the house keys from your property agent however this should only take place when the vendors lawyers inform the agent that the monies to complete are in and the keys can be given over. Subsequently you should inform the removal men that you are ready to move in. As a matter of policy we do not suggest a specific removal organisation but can assist you in choosing a conveyancing in Brinklow or a firm with expertise in conveyancing in Brinklow.
Planning on purchasing a maisonette in Brinklow. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Barclays conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Brinklow conveyancing practitioner is on the Barclays conveyancing panel.
I've read lots of mortgage guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Brinklow solicitor - who is on the Nationwide conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Nationwide will need an independent valuation of the property. Your lawyer will not arrange this. Usually Nationwide will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your property lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Brinklow postcode. As you are getting a mortgage with Nationwide, you could contact them to see if they have a list of approved surveyors in Brinklow.
I have been told that property searches are the primary cause of hinderance in Brinklow conveyancing transactions. Is there any truth in this?
The Council of Property Search Organisations (CoPSO) published findings of research by MoveWithUs that conveyancing searches do not feature within the top 10 causes of hindrances in the conveyancing process. Local searches are unlikely to be the root cause of delay in conveyancing in Brinklow.
Are there restrictive covenants that are commonly picked up as part of conveyancing in Brinklow?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Brinklow. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I have been sourcing a conveyancing solicitor in Brinklow for my sale. Is it possible to check a solicitor's record with the legal regulator?
Anyone may find presented Solicitor Regulator Association (SRA) determinations stemming from inquisitions started on or after Jan 2008. Go to Check a solicitor's record. For details about the period before 1 January 2008, or to check a firm's history, telephone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. International callers, use +44 (0)121 329 6800. The regulator sometimes monitor call for training purposes.