My fiance and I are purchasing residence in Harlesden. My property lawyer has never been on on the lender conveyancing list. Can I still continue with my Harlesden conveyancing solicitor even though they are excluded from the lender panel of approved conveyancing solicitors?
You will need to use a property lawyer to deal with the formalities when you require a loan to purchase your home. The conveyancer will conduct all the relevant due diligence on the property, make sure that you’re registered as proprietor and ensure that all the necessary mortgage paperwork is dealt with. You could instruct a Harlesden property lawyer of your choosing. However, where the lawyer appointed is not a member of the mortgage company conveyancing panel supplemental costs will be incurred as separate legal representation will be required by them. Lender panel applications can be submitted, so if your solicitor has not historically sought membership they should do so.
Do I have to pop into the offices of the solicitor to execute the mortgage deed? If so, I will instruct a firm who offer conveyancing in Harlesden so that I can attend their offices if necessary.
These days approved lawyers for lenders conduct all of the work via Royal Mail, e-mail or over phone calls. This means that they can undertake the legal work for your home move no matter where you live in England or Wales. However you should see if you can still book an appointment to visit conveyancing lawyer if just in case this is required.
I am buying my first flat in Harlesden with a loan from Halifax. The developers refused to reduce the amount so I negotiated 6k of additionals instead. The sale representative suggested that I not inform my conveyancer about the side-deal as it would affect my mortgage with Halifax. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I have been sourcing a conveyancing lawyer in Harlesden for my home move. Can I check a solicitor's complaints history with the legal regulator?
Anyone may see published Solicitor Regulator Association (SRA) determinations resulting from investigations from 2008 onwards. Visit Check a solicitor's record. To find records Pre 2008, or to check a firm's history, phone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. International callers, call +44 (0)121 329 6800. The SRA could recorded telephone calls for training requirements.
Why am I unable to complete our conveyancing in Harlesden on May bank holiday?
This is due to the fact that on completion the money will be transferred electronically between the banks of the buyer and owner’s lawyer and currently this can only take place on a working day. So you can't complete on a saturday or sunday either.