Me and my partner are buying a leasehold flat in Earls Barton. My Solicitor is not listed on the lender approved list. Can I still use my Earls Barton conveyancing solicitor notwithstanding that they are not on the lender panel?
You have a couple of choices available to you here
- Carry on with your chosen Earls Barton conveyancer but your mortgage company will no doubt instruct a solicitor from their approved list. This will result in additional cost and likely delay.
- Choose a fresh solicitor to conduct the conveyancing, ensuring that they are on the mortgage company conveyancing panel.
- Convince your solicitor to pull out all the stops to join the bank’s panel of solicitors
Can you point me to a directory of Bank of Ireland panel conveyancers in Earls Barton on the UK Finance Lenders’ Handbook Website?
Unfortunately not yet. There is no such facility on the Council of Mortgage Lenders or Building Society Association sites. Very few lending institutions make their panel listings visible online. Where you are in need of a Earls Barton lawyer on the Bank of Ireland please use our tool.
My wife and I have organised a further advance on our mortgage from HSBC as we wish to conduct renovations to our house in Earls Barton. Do we need to choose a nearby Earls Barton solicitor on the HSBC conveyancing panel to handle the legals?
HSBC don't usually appoint firms on their approved list of lawyers to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the HSBC list.
I have today made my last payment due on my mortgage with Bank of Ireland. I assume I don't need a Earls Barton property lawyer on the Bank of Ireland panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Bank of Ireland mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Bank of Ireland mortgage from the register. Bank of Ireland, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Bank of Ireland has sent the Land Registry the discharge electronically, and
- Bank of Ireland has instructed the Land Registry to do so
I used Arc property Solicitors several years ago for my conveyancing in Earls Barton. I now require my file however the law firm has closed. What do I do?
Do contact the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Earls Barton of the conveyancing firm of solicitors you previously retained, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
My partner has encouraged me to use his conveyancers in Earls Barton. Should I use them?
No doubt the ideal way to choose a conveyancing lawyer is to have recommendations from friends or relatives who have used the solicitor that you are are thinking of instructing.
What is the reason for my lawyer requiring numerous items of identification before I can proceed with selling or buying a property in Earls Barton?
Earls Barton conveyancers are required by the Law Society, Solicitors Regulation Authority, the Land Registry and current AML legislation to record that the have verified the identity of their clients. It is also sometimes a condition of your lender if you are taking a mortgage. Furthermore they have to complete various forms, particularly those relating to stamp duty land tax and need to have details such as your full names, NI number and date of birth.