I am obtaining a mortgage with Halifax. I intend to employ the services of a Licensed Conveyancer in Littlehampton. Does the Halifax Solicitor panel allow for conveyancers regulated by the CLC?
The Halifax conveyancing panel is, like many other lenders, associated to the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the CLC.
My partner and I changing mortgage lender for our flat in Littlehampton with Bank of Ireland. We have a son 18 who lives at home. Our solicitor requested us to identify any adults other than ourselves who lives in the flat. Our lawyer has now e-mailed a document for our son to sign, waiving any legal rights in the event that the apartment is repossessed. I have a couple of concerns (1) Is this form unique to the Bank of Ireland conveyancing panel as he never had to sign this form when we remortgaged 5 years ago (2) Does our son by signing this compromise his entitlement to inherit the property?
First, rest assured that your Bank of Ireland conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Bank of Ireland. This is solely used to protect Bank of Ireland if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Bank of Ireland had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
What is the first thing I need to know concerning purchase conveyancing in Littlehampton?
Not many law firms shout this from the rooftops but conveyancing in Littlehampton or throughout West Sussex is often a confrontational process. Put another way, when it comes to conveyancing there is plenty of room for friction between you and other parties involved in the transaction. E.g., the vendor, selling agent and sometimes the mortgage company. Selecting a lawyer for your conveyancing in Littlehampton should not be taken lightly as your conveyancer is your adviser, and is the SOLE person in the transaction whose role it is to protect your legal interests and to keep you safe.
We are witnessing a definite ongoing adversarial element to conveyancing- someone must be blamed for the process taking so long. You your first instinct should be to trust your lawyer above the other parties when it comes to the legal transfer of property.
My father has suggested that I use his lawyers for conveyancing in Littlehampton. Should I find my own solicitor?
Much as we are happy to recommend a Littlehampton conveyancing lawyer the best way to select a conveyancing solicitor is to seek referrals from friends or family who have previously instructed the firm that you are contemplating using.
We are FTB’s just having agreed a price on a property in Littlehampton, and are now looking to get solicitors appointed. We have used the numerous rating tools and the quotes are from all across the country. Is it necessary to have a Littlehampton conveyancer local to your potential property? We are happy to do all the communicating electronically, but I guess at some stage we may be required to attend the conveyancing practitioner's office to sign documents?
Usually there is no need to physically visit the office of your property lawyer, they can send any relevant contracts to you, which you can sign and send back. Many buyers and sellers choose to instruct a locally based solicitor, but it's by no means essential for conveyancing in Littlehampton.