Me and my fiance are buying an apartment in Culcheth. My Solicitor is not on the mortgage company approved list. Am I still permitted to continue with my Culcheth conveyancing solicitor notwithstanding that they are excluded from the mortgage company approved list?
You have numerous choices available to you here
- Complete the purchase with your chosen Culcheth property lawyer but your bank will need to retain a property lawyer from their approved panel. The net result is additional cost and probable frustration.
- Get a new solicitor to act in the purchase, making sure they are on the bank conveyancing panel.
- Appeal to your conveyancing practitioner to attempt to join the bank panel
We are purchasing our first home. Our lawyer has texted usto ask if we want to take out supplemental conveyancing searches. Frankly we in the dark as to what's relevant for conveyancing in Culcheth
The number and type of Culcheth conveyancing searches should be dictated entirely on the property, the location, the probability of any of these risks, your knowledge of the locality and risks, your overall attitude to risk. What matters is that you adequately comprehend what information the searches could give you. You may then decide if you consider that you need that information. If unclear, ask the solicitor to guide you.
I am considering applying for a Clydesdale mortgage for purchase of a newly converted (under development) in Culcheth with 60% loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for Clydesdale ?
There is nothing to stop you using your solicitor, but Clydesdale will insist on their interests being represented by a firm on their conveyancing panel. There is greater potential for delays and confusion with two solicitors involved, and it will undoubtedly be more expensive too.
Is there a list of Bank of Ireland panel solicitors in Culcheth on the UK Finance Lenders’ Handbook Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association sites. Very few lenders make their panel listings visible on the web. If you are in need of a Culcheth property lawyer on the Bank of Ireland please make the most of our facility.
We previously chose conveyancing lawyers based in Culcheth on the HSBC solicitor approved list. They are now charging me an additional sum for the legal aspects of the HSBC mortgage. Is this a supplemental conveyancing fee specified by HSBC?
As unfair as it may appear, as long as it’s in their Terms and Conditions or estimate then yes your property lawyer can charge a fee for this. This fee is not dictated by HSBC but by your Culcheth solicitor. Some firms on the HSBC panel will levy an ‘acting for lender’ fee and others do not.
After much negotiation I have agreed a price on an apartment in Culcheth. My mortgage broker recommended their conveyancers. I paid an advanced payment of £200. A couple of days later, the property lawyer called me sheepishly admitting that they were not on the Co-operative conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Co-operative panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
We are a fortnight into a residential purchase having been directed to solicitors by the selling agent to do our conveyancing in Culcheth. I am am extremely dissatisfied with the level of service. Could you you assist me in finding new solicitors?
They would have to be really bad in order to consider diss instructing them. Has your mortgage been sent? If so you need to advise them of the replacement lawyer and get the offer are re-sent. Your solicitor ideally should be on the banks panel to avoid supplemental costs and frustration. That should be your starting point. The find a solicitor tool should help you find a bank approved conveyancer for your conveyancing in Culcheth