I plan on buying a ground floor flat in Chadwell Heath. My property lawyer is not on the mortgage company approved panel. Can I still retain my Chadwell Heath conveyancing solicitor even though they are excluded from the lender panel?
Your options include
- Complete the purchase with your existing Chadwell Heath conveyancer but your mortgage company will undoubtedly instruct a lawyer from their approved panel. The net result is additional cost and potential frustration.
- Get a fresh property lawyer to act in the purchase, making sure they are on the lender conveyancing panel.
- Convince your solicitor to do everything within their powers to join the mortgage company conveyancing panel
We see that you have a search directory identifying firms on the Skipton conveyancing panel. Do firms pay you a referral fee if I instruct them for our conveyancing in Chadwell Heath?
We are a listing service only for law firms wishing to communicate if they are on the Skipton conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Chadwell Heath.
I have been told that property searches are a common reason for delay in Chadwell Heath house deals. Is this right?
The Council of Property Search Organisations (CoPSO) has noted the findings of a review by MoveWithUs that conveyancing searches do not figure amongst the most frequent causes of delays during the legal transfer of property. Searches are not likely to feature in any holding up conveyancing in Chadwell Heath.
Despite weeks of looking the Title Certificate and documents to our house are lost. The lawyers who did the conveyancing in Chadwell Heath 4 years ago are no longer around. What do I do?
As long as you have a registered title the details of your ownership will be recorded by HMLR under a Title Number. It is possible to perform a search at the Land Registry, find your property and order up to date copies of the property title for less than a fiver. If the property is Leasehold then the Land Registry will also normally retain a file duplicate of the Registered Lease and again, a copy can be obtained for a small fee.
Me and my wife have just had an offer agreed on a flat and had an appointment on Monday with HSBC for the mortgage. They advised me that when it comes to choosing a property lawyer that unless they are on their approved panel of solicitors then we will be subject to an an extra charge of £200. This is because they would then have to appoint a conveyancer to act on their behalf as well as the one we select on our behalf and we assume responsibility for their invoice. I have asked HSBC to furnish me with a list so I can seek quotes only from their approved lawyers but was told they dont have such a list to hand over. Is there a list online?
You can enquire of HSBC what their panel criteria is for a solicitor.Then ask the solicitor of your choice whether they meet the criteria and have they acted on loans for HSBC before. Where the answer to those is yes, then just clarify this with HSBC. Another option is to make use of our search facility and we may be able to locate a conveyancing practitioner in Chadwell Heath on the approved list for HSBC.