Me and my wife are purchasing a flat in Harrow. My Solicitor has never been on on the bank conveyancing panel. Can I still retain my Harrow conveyancing solicitor notwithstanding that they are excluded from the lender approved list?
One must instruct a conveyancer to complete the formalities if you require a mortgage to buy your property. The lawyer will carry out all the appropriate due diligence on the property, make sure that you’re registered as proprietor and ensure that all the necessary mortgage paperwork is in place. One may appoint a Harrow property lawyer of your choosing. However, where the solicitor appointed is not on the lender approved list supplemental costs will arise as separate legal representation will be need by the lender. Lender panel applications may be submitted, so where your conveyancer has not previously applied for membership they should do so.
My Solicitor in Harrow is not listed on the Clydesdale Conveyancing Panel. Is it possible for me to continue with my family solicitor even though they are not on the Clydesdale approved list?
The limited options available to you here include:
- Carry on with your existing Harrow solicitors but Clydesdale will need to retain a conveyancer on their panel. This will result in additional overall conveyancing fees and result in frustration.
- Choose an alternative lawyer to act in the purchase, remembering to check they are Persuade your solicitor to do everything within their powers to join the Clydesdale conveyancing panel
I am helping my niece sell her house in Harrow. Will the conveyancer commission an energy assessment or should I organise this?
After the demise of Home Packs, energy assessments was kept a mandatory element of moving house. An EPC must be to hand in advance of the property being advertised. It is not as aspect of the sale process that solicitors normally organise. Where you are using a Harrow conveyancing solicitor they may help arrange energy assessments due to their contacts with long established Harrow providers
I am expecting a AIP from Virgin Money this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Virgin Money recommend any Harrow solicitors on the Virgin Money conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Harrow solicitors independently although you'll need to choose one on the Virgin Money conveyancing panel. The solicitor represents both you and Virgin Money through the process.
It is not clear whether my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called into my local Harrow bank branch on a couple of occasions and was told it does not affect the mortgage offer and they will lend. My Harrow conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned to say that they refuse to lend based on their UK Finance Lenders’ Handbook minimum lease term requirements. Who do I believe?
Your conveyancer has to follow the CML Handbook Part 2 requirements for your lender. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.
Is it necessary to take out insurance to protect me from financial exposure to chancel repairs when acquiring a house in Harrow?
Unless a prior acquisition of the property completed post 12 October 2013 you can assume that conveyancing practitioners carrying out conveyancing in Harrow to remain recommending a chancel search and or chancel repair liability policy.
I have recentlyfound out that Arc property Solicitors have closed. They conducted my conveyancing in Harrow for a purchase of a leasehold apartment 12 months ago. How can I establish that my home is in my name in the name of the previous owner?
The easiest method to check if the property is in your name, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Harrow conveyancing specialists.