My wife and I are purchasing a 1 bedroom apartment in Ossett with a mortgage. We like our Ossett conveyancer, however the mortgage company advise he's not on their "panel". It seems we have no choice but to select one of the lender panel firms or keep our Ossett solicitor as well as pay for one of their panel lawyers to act for them. We regard this is inequitable; are we not able to insist that the lender use our Ossett property lawyer ?
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. Another option that might be available is for your Ossett conveyancing solicitor to apply to be on the conveyancing panel.
It has been 3 months following my purchase conveyancing in Ossett took place. I have checked the Land Registry site which shows that I paid £200,000 when infact I paid £215,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the property from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
Due to the guidance of my in-laws I had a survey completed on a property in Ossett ahead of appointing lawyers. I have been informed that there is a flying freehold overhang to the property. Our surveyor has said that some mortgage companies will not issue a loan on this type of premises.
It varies from the lender to lender. Santander has different requirements from Halifax. If you call us we can look into this further via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Ossett. Conveyancing will be smoother if you use a solicitor in Ossett especially if they are acquainted with such properties in Ossett.
I have been sourcing a conveyancing lawyer in Ossett for my house move. Is there any facility to see a firm’s complaints history with the profession’s regulator?
Anyone can review documented Solicitor Regulator Association (SRA) determinations resulting from investigations started on or after Jan 2008. Visit Check a solicitor's record. For details Pre 2008, or to check a solicitors record, ring 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. International callers, dial +44 (0)121 329 6800. The SRA may recorded call for training purposes.
What is the difference between surveying and conveyancing in Ossett?
Conveyancing - in Ossett or elsewhere - is the process of legally transferring legal title of property from one person to another. It involves the checking of the title. Whether buying or selling, you should be aware of anything affecting the property such as proposals by government departments, illegal buildings, or outstanding rates. The conveyancer should conduct the appropriate searches and inquiries on the property. Surveying relates to the structure of a property itself. A surveyor will look at a house, flat and any outbuildings you’re intending to buy and will help you find out about the condition of the building and, if there are problems, give you leverage for negotiating the buying price down or asking the vendor to fix the defects prior to you move in.