Me and my partner are intending to buy a 3 bedroom apartment in Hainault with a mortgage. We like our Hainault conveyancer, however the bank advise he's not on their "panel". We have to appoint one of the mortgage company panel firms or retain our Hainault conveyancer and pay for one of their panel lawyers to represent them. We regard this is inequitable; can we not require that the lender use our Hainault conveyancing practitioner ?
No, not really. 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 Hainault conveyancing lawyer to apply to be on the conveyancing panel.
How do I discover of the solicitor conducting my conveyancing in Hainault is on the bank’sapproved panel? I am looking to avoid the situation of having one lawyer for me and one for Leeds Building Society thus spending £175.00 in another set of conveyancing charges.
Please do take advantage of the search tool on this site. Pick the mortgage company and type ‘Hainault’ or your location and you will discover a number of lawyer based in Hainault or near you.
I used Wolstenholmes a few years past for my conveyancing in Hainault. Now, I need my files however the law firm is no longer operating. What do I do?
Do contact the Solicitors Regulatory Authority (SRA) to help locate 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 Hainault of the conveyancing firm of solicitors you previously hired, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I have been on the look out for a leasehold apartment up to £195,000 and found one close by in Hainault I like with a park and station nearby, the downside is that it only has 51 years on the lease. I can't really find anything else in Hainault suitable, so just wondered if I would be making a grave error acquiring a short lease?
Should you need a mortgage that many years will be problematic. Reduce the price by the amount the lease extension will cost if not already taken into account. If the current owner has owned the premises for a minimum of twenty four months you could ask them to commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the current lease and have £0 ground rent by law. You should speak to your conveyancing solicitor concerning this matter.
What are my options where I am not happy with the conveyancing practitioner who carried out our conveyancing in Hainault?
Occasionally the level of service you receive is not as you expect, and unfortunately occasionally things do go wrong. However there is recourse where you were not happy with your conveyancing in Hainault. This varies from trying to resolve matters directly with them, through to reporting a conveyancing practitioner to their governing body. If things still aren’t resolved you may consider enlisting the help of the Legal Ombudsman.