We are planning to buy a 2 bedroom flat in Castle Cary with a mortgage. We like our Castle Cary solicitor, but the mortgage company advise he's not on their "panel". We have to appoint one of the mortgage company panel solicitors or retain our Castle Cary conveyancing practitioner as well as pay for one of their panel ones to represent them. We feel that this is unjust; can we not insist that the mortgage company use our Castle Cary solicitor ?
No, not really. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the lender’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. A further alternative is for your Castle Cary conveyancing solicitor to apply to be on the conveyancing panel.
Our mortgage company has recommended solicitors on their panel based in Castle Cary but I would rather instruct a conveyancing lawyer in Castle Cary round the corner to me. Can you assist?
It is by no means the case that all Castle Cary conveyancing practitioners are listed all banks conveyancing panel. Use our find an approved solicitor tool to find a Castle Cary conveyancing conveyancer on the on the bank panel.
Does a directory service exist listing Bank of Ireland panel solicitors in Castle Cary on the Building Society Association’s Website?
No. There is no such facility on the CML or Building Society Association websites. A small selection of banks make their panel listings viewable online. Where you are seeking to appoint a Castle Cary property lawyer on the Bank of Ireland please use our tool.
Can I be sure that the Castle Cary conveyancing solicitor on the Co-operative panel is any good?
When it comes to conveyancing in Castle Cary obtaining recommendations is a good starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always advocate that you speak with the solicitor carrying out your transaction.
Completion of my purchase has taken place for my property in Castle Cary. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
All lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Department at head office. In most cases complaints to a lender are sorted out very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
I am purchasing a property and the lawyer has identified Chancel Repair to which the property may be liable because it falls into the area of such a church. She has suggested insurance. Is this strictly appropriate for conveyancing in Castle Cary
Unless a prior acquisition of the house took place post 12 October 2013 you can expect conveyancing practitioners carrying out conveyancing in Castle Cary to remain recommending a chancel search and or chancel repair liability policy.
Over the last few months I have been searching for a flat up to £195,000 and found one close by in Castle Cary I like with open areas and railway links in the vicinity, however it's only got 52 years unexpired on the lease. There is not much else in Castle Cary in this price bracket, so just wondered if I would be making a grave error purchasing a lease with such few years left?
If you need a mortgage the remaining unexpired lease term may be an issue. Reduce the price by the amount the lease extension will cost if it has not already been discounted. If the existing owner has owned the premises for at least 2 years you may request that they commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the current lease term with a zero ground rent applied. You should consult your conveyancing lawyer regarding this.