Me and my partner are hoping to acquire a 1 bedroom apartment in Clifton with a mortgage. We wish to retain our Clifton lawyer, however the mortgage company says she’s not on their "panel". It appears that we have no choice but to instruct one of the lender panel conveyancing practices or keep our Clifton conveyancing practitioner and pay for one of their panel firms to act for them. We consider that this is inequitable; can we not insist that the lender use our Clifton property lawyer ?
Unfortunately,no. 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 Clifton conveyancing lawyer to apply to be on the conveyancing panel.
Do I need to visit the offices of the solicitor to execute the legal charge? If so, I will instruct a firm who offer conveyancing in Clifton so that I can attend their offices when needed.
Nowadays conveyancing panel lawyers for mortgage companies conduct their communications through Royal Mail, e-mail or over the phone. This enables them to carry out the conveyancing transaction regardless of where you live in England or Wales. Nevertheless you can see if you have the option of going to the offices of your conveyancing lawyer if you prefer.
I have recentlybecome aware that Stirling Law have been shut down. They carried out my conveyancing in Clifton for a purchase of a freehold house 10 months ago. How can I be sure that the property is not still registered in the name of the previous owner?
The quickest way to check if the premises is registered to you, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Clifton conveyancing specialists.
About to purchase a new build apartment in Clifton. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.
Set out below are examples of a selection of leasehold new build questions that you may expect your new-build leasehold conveyancing in Clifton
The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. Please confirm the Lease plans are surveyor prepared. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified.
My father has encouraged me to use his conveyancing solicitors in Clifton. Do I follow his recommendation?
No doubt the best way to choose a conveyancing lawyer is to get guidance from friends or relatives who have experience in using the conveyancer you're contemplating using.