My husband and I are purchasing a 3 bedroom flat in Colindale with a mortgage. We like our Colindale conveyancer, however the bank advise she’s not on their "panel". We have to appoint one of the lender panel firms or retain our Colindale solicitor as well as pay for one of their panel firms to represent them. We consider that this is unjust; is there anything we can do?
Unfortunately,no. Your mortgage offer 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 Colindale conveyancing lawyer to apply to be on the conveyancing panel.
My wife and I have recently bought a house in Colindale. We have since encountered a number of issues with the property which we believe were missed in the conveyancing searches. What action can we take? What searches should? have been carried out for conveyancing in Colindale?
It is not clear from the question as to the nature of the problems and if they are unique to conveyancing in Colindale. Conveyancing searches and investigations initiated during the legal transfer of property are designed to help avoid problems. As part of the process, a seller fills in a document known as a SPIF. answers turns out to be inaccurate, you could possibly take legal action against the owner for any losses that you have suffered. The survey should have identified any problems with the structure of the property. Assuming a detailed survey was carried out and the issues were not identified, you may have a claim against the surveyor. However, if you did not have a full survey, you may be responsible for fixing any defects that have now been noted. We would always encourage buyers to take every possible step to ensure they are completely aware of the condition of a property before purchase regardless of whether they are buying in Colindale.
Do I need to visit the offices of the solicitor to execute the mortgage deed? If so, I will choose one who does conveyancing in Colindale so that I can pop in to their offices if required.
Whereas this was necessary 15 years ago, almost all banks no longer oblige their conveyancing panel solicitor to witness the borrowers signature. You will still be obliged to provide ID documents and there are still distinct benefits to instructing a local ayer, in your case a conveyancing solicitor in Colindale.
The estate agent has sent us the confirmation of our purchase of a new build apartment in Colindale. Conveyancing is a frightening process 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.
Here are examples of a selection of leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Colindale
Forfeiture - bankruptcy or liquidation must not apply under this provision. There must be mutual enforceability of lessee’s covenants. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? 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. Please supply a car parking plan.
Is it possible to transfer to a new firm as I need to retain a firm on the Bank of Ireland conveyancing list. I instructed a family conveyancing solicitor in Colindale five minutes from me but he is not approved by Bank of Ireland
We will our best to assist in finding you a conveyancing solicitor in Colindale on the Bank of Ireland panel. Please note that the solicitors that we work with do not pay us fee if you instruct them and are under regulation of the SRA who oversee all conveyancing solicitors in Colindale. In making use of search facility on this website, you can compare and instruct different solicitors and conveyancers both nationally and in Colindale.