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Find a Kingswinford Conveyancing Solictior on Your Lender’s Panel

Ready to buy a new home in Kingswinford? Failing to check that a lawyer is on your lender’s list of approved solicitors can put your Kingswinford conveyancing at risk of delay or failure.

Only LenderPanel.com provides a subset of authorised Kingswinford conveyancers for over 130 lenders.


Recently asked questions about conveyancing in Kingswinford

My IFA requires my Kingswinford law firm’s panel member for the Nationwide conveyancing panel. What is the best way to discover this. I have contacted my local Kingswinford branch but they have not got back to me yet.

You are best placed to get this information from your Kingswinford property lawyer . Most Kingswinford law practices will retain a file or database of lender panel information which would include, if applicable, their conveyancing panel details for each bank.

We are buying a flat in Kingswinford. I might seem paranoid but how we can trust a solicitor? On the day of competition we have to send funds into their account. What protection do we have from them run away with our monies?

Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.

We have agreed to purchase a house in Kingswinford. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Nationwide be concerned?

Given that your lender is Nationwide your lawyer must follow the conveyancing requirements contained in Section two of UK Finance Lenders’ Handbook for Nationwide. The Council of Mortgage Lenders’ Handbook stipulates minimum provisions for solar panel roof-space leases, and lawyers are required to report to Nationwide where a lease fails to comply with these specifications. The provisions relate to the installation of panels on properties in England and Wales and is not restricted to Kingswinford.

I have a mortgage with Co-operative for my property in Kingswinford. Conveyancing was finalised months ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Co-operative?

Co-operative must be informed of your intention in advance of renting your property as this is likely to be a breach of Co-operative’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Co-operative directly. It should not be necessary to do this via a Co-operative conveyancing panel lawyer.

Are there restrictive covenants that are commonly identified as part of conveyancing in Kingswinford?

Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Kingswinford. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

Over the last few months I have been searching for a ground for flat up to £195,000 and identified one near me in Kingswinford I like with amenity areas and station in the vicinity, the downside is that it's only got 49 years on the lease. There is not much else in Kingswinford for this price, so just wondered if I would be making a mistake acquiring a lease with such few years left?

If you need a home loan the remaining unexpired lease term will likely be a potential deal breaker. Discount the offer by the anticipated lease extension will cost if it has not already been discounted. If the current owner has owned the premises for a minimum of 2 years you may ask them to commence the lease extension formalities and then assign it to you. You can add 90 years to the existing lease with a zero ground rent applied. You should speak to your conveyancing lawyer concerning this.

My partner and I hope to purchase our first home in Kingswinford. Conveyancing lawyer has been appointed. The mortgage adviser suggested that a survey is not necessary as the property was only constructed 16 yrs ago.

As the bare minimum you need a Home Buyer's Report. As the premises was constructed over a decade ago the property will not come with a warranty, so you would be well advised not to take a risk. Where a property of this age shows no signs of problems a Home Buyer's report could suffice. The report should highlight any obvious issues and suggest further investigation if relevant. If there are any indications of problems get a full Building Survey from the beginning.

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