we are a couple who are buying a newbuild flat in Fareham with a residential mortgage from Clydesdale.We would like to retain our Fareham conveyancing lawyer but Clydesdale advised that she’s not listed on their approved list of firms. we are left little option but to use a Clydesdale panel lawyer or retain our high street solicitor and pay for a Clydesdale panel lawyer to act for them. We feel as though this is unjust; Can we not simply insist that Clydesdale use our lawyer?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, a common one being that conveyancers will be on the Clydesdale conveyancing panel. in the past, most mortgage companies had large numbers of solicitors 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 solicitors to apply to be on the conveyancing panel for Clydesdale
What will a local search inform me about the property I am buying in Fareham?
Fareham conveyancing often commences with the submitting local authority searches directly from your local Authority or through a personal search organisations such as Searchflow The local search plays a central part in many a Fareham conveyancing purchase; that is if you wish to avoid any nasty surprises after you move into your property. The search will reveal data on, amongst other things, details on planning applications relevant to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen subject headings.
I opted to have a survey done on a property in Fareham ahead of instructing solicitors. I have been advised that there is a flying freehold element to the house. The surveyor has said that some lenders tend not give a loan on this type of house.
It varies from the lender to lender. HSBC has different requirements for example to Halifax. If you contact us we can check via the appropriate lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Fareham. Conveyancing will be smoother if you use a solicitor in Fareham especially if they regularly deal with such properties in Fareham.
In my capacity as executor for the will of my aunt I am disposing of a property in Swansea but I am based in Fareham. My solicitor (who is 260 miles from mehas requested that I sign a stat dec prior to the transaction finalising. Could you suggest a conveyancing practitioner in Fareham to witness this legal document for me?
Technically speaking you should not be required to have the documents witnessed by a conveyancing solicitor. Ordinarily or notary public or qualified solicitor will suffice regardless of whether they are based in Fareham
How easy is it to change a solicitor as I need to find a Fareham based firm who is on the bank conveyancing panel. How simple is it to change conveyancer?
In the event that you have not formally appointed a solicitor to start work and at this stage simply received an estimate as to costs, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer in Fareham that you're considering.